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

Walton County property record for 251 Sandy Cay Dr, Miramar Beach, FL 32550 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,586 sqft · built 2004
Lot Size	0.121 acres (5,271 sqft)
Owner	Individual Name on File
Last Sale	$710,000 (Jun 2025)
Tax Bill	$4,259 (2024)
Deeds & Mortgages	Dec 2019 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42790-00B-0140`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42790-00B-0140`
Alternative APN	`1068503`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,586 sqft Living Area
Gross Area	2,162 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,271 sqft (0.121 acres)
Lot Dimensions	13.8 ft deep x 3.2 ft wide
Garage Type	Finished
Garage Area	400 sqft

Exterior Amenities

Porch	Porch
Porch Area	36 sqft
Patio Area	140 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1068503
Street Address	251 SANDY CAY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8261
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 BLK B PARADISE RETREAT PB 15-72 OR 2648-1873 OR 2657-500 OR 2892-2486 OR 3360-2288
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	PARADISE RETREAT
Legal Block	B
Legal Lot Number	14
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2012
Census Tract	950608

Owner

Source: Walton County records · APN 30-2S-21-42790-00B-0140

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	251 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage COLONIAL NATIONAL MORTGAGE
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MASTERS OF INDIANA INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 03, 2025 · Amount on Record
Deed Sale	Jun 03, 2025 · Amount on Record
Prior Sale	Jun 11, 2012 · Amount on Record
Deed Document Number	20250019408
Deed Book / Page	3360 / 2288
Record Updated	Jun 08, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	251 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031264380
Date	Dec 11, 2019
Book Page	3126/4380
Instrument	20190043200

Lender

Name	COLONIAL NATIONAL MORTGAGE
Type	Mortgage Company
Address	FORT WORTH, TX 76102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	251 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18013 CINDY LN, CONROE, TX 77302-3159

Mortgage

Document Number	0031704778
Date	Nov 30, 2020
Book Page	3170/4778
Instrument	20200048678

Lender

Name	MORTGAGE MASTERS OF INDIANA INC
Type	Mortgage Company
Address	EVANSVILLE, IN 47715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$564,123 (-5.11%) Land $125,000 Building $439,123	$564,123 (-5.11%) Land $125,000 Building $439,123
2024	$4,259.00 (+1.99%)
2023	$4,176.00 (+8.02%)	$594,531 (+10.79%) Land $41,349 Building $553,182	$594,531 (+10.79%) Land $41,349 Building $553,182
2022	$3,866.00	$536,618 Land $45,898 Building $490,720	$536,618 Land $45,898 Building $490,720

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121319506082, refreshed September 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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 203 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	706 units insured 503 under condo master policies
Nearby Flood Claims	3 (2014–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020, rainfall accumulation, Hurricane Sally

Coastal Barrier Resources

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

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 657 locations within about half a mile of this property

Provider	Technology	Download / Upload (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 USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Sandy Cay Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures