Walton County property record for 237 Sandy Cay Dr, Miramar Beach, FL 32550 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,029 sqft · built 2004 |
| Lot Size | 0.131 acres (5,706 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,199,000 (May 2026) |
| Tax Bill | $7,070 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Sep 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00B-0120 |
| Primary APN | 30-2S-21-42790-00B-0120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,029 sqft Living Area |
| Gross Area | 2,711 sqft |
| 1st Floor Area | 2,029 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,706 sqft (0.131 acres) |
| Lot Dimensions | 169 ft deep x 25 ft wide |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 42 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 237 SANDY CAY DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 BLK B PARADISE RETREAT PB 15-72 OR 2645-4075 OR 3216-2543 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | B |
| Legal Lot Number | 12 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 950608 |
Source: Walton County records · APN 30-2S-21-42790-00B-0120
Assessment roll updated December 3, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1042 FISHER ST, HOUSTON, TX 77018-5214 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage GATEWAY MORTGAGE CORPORATION |
| Sep 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Oct 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 15, 2026 · Amount on Record |
| Deed Sale | May 15, 2026 · Amount on Record |
| Prior Sale | Sep 17, 2021 · Amount on Record |
| Deed Document Number | 202619894 |
| Deed Book / Page | 3398 / 2300 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 15, 2026 |
| Property Address | 237 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261 |
| Document Number | 0033982300 |
| Book / Page | 3398 / 2300 |
| Instrument Date | May 12, 2026 |
| Instrument | 202619894 |
| Transaction Type | Transfer |
| Record Updated | Jun 05, 2026 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $847,693.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1042 FISHER ST, HOUSTON, TX 77018-5214 |
| Investor | Possibly a Property Investor |
| Document Number | 0000019895, |
|---|---|
| Date | May 15, 2026 |
| Instrument | 202619895 |
| Name | GATEWAY MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 17, 2021 |
| Property Address | 237 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261 |
| Document Number | 0032162543 |
| Book / Page | 3216 / 2543 |
| Map Reference | MB 15 PG 72 |
| Instrument Date | Sep 15, 2021 |
| Instrument | 20210046475 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2021 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,215.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 EXUMA WAY APT 815, 14, SANTA ROSA BEACH, FL 32459-7071 |
| Name | Verified Name |
|---|---|
| Address | 237 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261 |
| Document Number | 32162545 |
|---|---|
| Date | Sep 17, 2021 |
| Instrument | 3216/2545 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 237 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0031223713 |
|---|---|
| Date | Oct 31, 2019 |
| Book Page | 3122/3713 |
| Instrument | 20190038128 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | OCEAN SPRINGS, MS 39564 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,070.00 (-2.66%) | $782,534 (-9.28%) Land $125,000 Building $657,534 | $782,534 (-9.28%) Land $125,000 Building $657,534 |
| 2024 | $7,263.00 (-6.3%) | ||
| 2023 | $7,751.00 (+20.32%) | $862,625 (+24.09%) Land $41,349 Building $821,276 | $862,625 (+24.09%) Land $41,349 Building $821,276 |
| 2022 | $6,442.00 | $695,142 Land $45,898 Building $649,244 | $695,142 Land $45,898 Building $649,244 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P32 “Moreno Point” |
| Unit Type | System Unit |
| Designated | October 18, 1982 |
| NFIP Eligibility | Not eligible (built 2004) built after the October 1, 1983 cutoff · private flood insurance only |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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