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231 Sandy Cay Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 231 Sandy Cay Dr, Miramar Beach, FL 32550 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,919 sqft · built 2004
Lot Size0.119 acres (5,184 sqft)
OwnerIndividual Name on File
Last Sale$821,000 (Apr 2023)
Tax Bill$6,144 (2024)
Deeds & MortgagesSep 2023 Line of Credit
Apr 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN30-2S-21-42790-00B-0110

Property Details

APN / Parcel Number

Primary APN30-2S-21-42790-00B-0110
Alternative APN
  • 1068500

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,919 sqft Living Area
Gross Area2,513 sqft
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 2004
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,184 sqft (0.119 acres)
Lot Dimensions14.4 ft deep x 2.8 ft wide
Garage TypeFinished
Garage Area420 sqft
PorchPorch
Porch Area174 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number1068500
Street Address231 SANDY CAY DR
CityMIRAMAR BEACH
StateFL
Zip32550-8261
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 11 BLK B PARADISE RETREAT PB 15-72 OR 2585-886 OR 2646- 2823 OR 2660-346 OR 2927-572 OR 3287-1462
Legal Range21W
Legal Township02S
Legal Section30
Legal SubdivisionPARADISE RETREAT
Legal BlockB
Legal Lot Number11
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2012
Census Tract950608

Owner

Source: Walton County records · APN 30-2S-21-42790-00B-0110

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address2068 KIDD RD, NOLENSVILLE, TN 37135-9440
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 14, 2023Deed of Trust, Mortgage · Line of Credit
UNIVERSITY BANK
Apr 24, 2023Warranty Deed, Transfer · Conventional Mortgage
NORTHPOINTE BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 24, 2023 · Amount on Record
Deed SaleApr 24, 2023 · Amount on Record
Prior SaleAug 01, 2013 · Amount on Record
Deed Document Number20230013949
Deed Book / Page3287 / 1462
Record UpdatedJun 08, 2026

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address231 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261
Transaction TypeMortgage
Record UpdatedOct 11, 2023
Title CompanyNC TITLE COMPANY, NETCO

Transferred To (Grantee/Buyer)

NameVerified Name
Address2086 KIDD RD, NOLENSVILLE, TN 37135-9440

Mortgage

Document Number0033014592
DateSep 14, 2023
Book Page3301/4592
Instrument20230033112
Lender
NameUNIVERSITY BANK
TypeBank
AddressANN ARBOR, MI 48104
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueSep 15, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateApr 24, 2023
Property Address231 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261
Document Number0032871462
Book / Page3287 / 1462
Map ReferenceMB 15 PG 72
Instrument DateApr 20, 2023
Instrument20230013949
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyMCNEESE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5,747.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6285 HAMPTON HIGHLANDS DR, CUMMING, GA 30041-4097

Transferred To (Grantee/Buyer)

NameVerified Name
Address2068 KIDD RD, NOLENSVILLE, TN 37135-9440

Mortgage

Document Number0032871464
DateApr 24, 2023
Instrument3287/1464
Lender
NameNORTHPOINTE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2053

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$666,227 (-7.61%) Land $125,000 Building $541,227$666,227 (-7.61%) Land $125,000 Building $541,227
2024$6,144.00 (+21.21%)
2023$5,069.00 (+8.13%)$721,116 (+10.98%) Land $41,349 Building $679,767$721,116 (+10.98%) Land $41,349 Building $679,767
2022$4,688.00$649,795 Land $45,898 Building $603,897$649,795 Land $45,898 Building $603,897

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Coastal Barrier Resources

Coastal Barrier Resources SystemYes
UnitP32 “Moreno Point”
Unit TypeSystem Unit
DesignatedOctober 18, 1982
NFIP EligibilityNot eligible (built 2004)
built after the October 1, 1983 cutoff · private flood insurance only

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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