Walton County property record for 245 Sandy Cay Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,047 sqft · built 2004 |
| Lot Size | 0.125 acres (5,445 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $230,000 (May 2008) |
| Tax Bill | $3,480 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00B-0130 |
| Primary APN | 30-2S-21-42790-00B-0130 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,047 sqft Living Area |
| Gross Area | 2,916 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,445 sqft (0.125 acres) |
| Lot Dimensions | 15.9 ft deep x 2.6 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Porch | Porch |
| Porch Area | 49 sqft |
| Patio Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1068502 |
|---|---|
| Street Address | 245 SANDY CAY DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 BLK B PARADISE RETREAT PB 15-72 OR 2647-2238 OR 2792- 3320 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | B |
| Legal Lot Number | 13 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 950608 |
The current owner of 245 Sandy Cay Dr bought it in May 2008.
Source: Walton County records, as of December 17, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 245 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2008 · Amount on File |
| Deed Sale | May 14, 2008 · Amount on File |
| Prior Sale | Dec 29, 2004 · Amount on File |
| Deed Document Number | 1038921 |
| Deed Book / Page | 2792 / 3320 |
| Record Updated | Jun 8, 2026 |
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 | $662,236 Land $125,000 Building $537,236 | $662,236 Land $125,000 Building $537,236 | |
| 2024 | $3,480.00 (+3.91%) | ||
| 2023 | $3,349.00 (+0.06%) Homeowner's exemption | $718,238 (+11.13%) Land $41,349 Building $676,889 | $718,238 (+11.13%) Land $41,349 Building $676,889 |
| 2022 | $3,347.00 Homeowner's exemption | $646,317 Land $45,898 Building $600,419 | $646,317 Land $45,898 Building $600,419 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 245 Sandy Cay Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2014.
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.
Wildfire risk around 245 Sandy Cay Dr is low, with less than a 0.01% annual chance of wildfire.
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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