Walton County property record for 230 Sandy Cay Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,026 sqft · built 2004 |
| Lot Size | 0.147 acres (6,435 sqft) |
| Owner | Individual Name on File |
| Last Sale | $342,500 (Oct 2015) |
| Tax Bill | $2,550 (2024) |
| Deeds & Mortgages | Aug 2021 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00C-0090 |
| Primary APN | 30-2S-21-42790-00C-0090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,026 sqft Living Area |
| Gross Area | 2,656 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,435 sqft (0.147 acres) |
| Lot Dimensions | 11 ft deep x 7.2 ft wide |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 49 sqft |
| Deck Area | Deck Area |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1068540 |
|---|---|
| Street Address | 230 SANDY CAY DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8262 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 BLK C PARADISE RETREAT PB 15-72 OR 2645-3144 OR 2842- 2958 OR 2853-2782 OR 2871-3966 OR 2993-516 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | C |
| Legal Lot Number | 9 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 950608 |
Source: Walton County records, as of December 17, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 230 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 20, 2015 · Amount on File |
| Deed Sale | Oct 20, 2015 · Amount on File |
| Prior Sale | Aug 15, 2011 |
| Deed Document Number | 2015661342515 |
| Deed Book / Page | 2993 / 0516 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 230 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8262 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2021 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 230 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8262 |
| Document Number | 0032124629 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | 3212/4629 |
| Instrument | 20210042254 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 230 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8262 |
| Document Number | 0031371502 |
| Instrument Date | Mar 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2020 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 230 SANDY CAY DR MIRAMAR BEACH FL 325508262, MIRAMAR BEACH, FL 32550-8262 |
| Document Number | 0031371502 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 003137/001502 |
| Instrument | 10293 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 19, 2050 |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $656,785 (-7.68%) Land $125,000 Building $531,785 | $656,785 (-7.68%) Land $125,000 Building $531,785 | |
| 2024 | $2,550.00 (+4%) | ||
| 2023 | $2,452.00 (+1.36%) Homeowner's exemption | $711,459 (+11.12%) Land $41,349 Building $670,110 | $711,459 (+11.12%) Land $41,349 Building $670,110 |
| 2022 | $2,419.00 Homeowner's exemption | $640,266 Land $45,898 Building $594,368 | $640,266 Land $45,898 Building $594,368 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 203 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 706 units insured incl. 503 condo units |
| Nearby Flood Claims | 3 (2014–2020) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
Source: USFWS Coastal Barrier Resources System, as of December 19, 2024
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P32 “Moreno Point” |
| Unit Type | System Unit |
| Designated | Oct 18, 1982 |
| NFIP Eligibility | Not eligible (built 2004) built after the Oct 1, 1983 cutoff · private flood insurance only |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 657 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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