Walton County property record for 256 Sandy Cay Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,029 sqft · built 2004 |
| Lot Size | 0.147 acres (6,408 sqft) |
| Owner | Individual Name on File |
| Last Sale | $429,000 (Apr 2019) |
| Tax Bill | $6,122 (2024) |
| Deeds & Mortgages | Apr 2021 Line of Credit Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00C-0100 |
| Primary APN | 30-2S-21-42790-00C-0100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,029 sqft Living Area |
| Gross Area | 2,705 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,408 sqft (0.147 acres) |
| Lot Dimensions | 11 ft deep x 7.3 ft wide |
| Garage Type | Finished |
| Garage Area | 500 sqft |
| Porch | Porch |
| Porch Area | 36 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1068541 |
|---|---|
| Street Address | 256 SANDY CAY DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8262 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 10 BLK C PARADISE RETREAT PB 15-72 OR 2644-299 OR 3101-1 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | C |
| Legal Lot Number | 10 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 950608 |
Source: Walton County records · APN 30-2S-21-42790-00C-0100
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 |
|---|---|
| Mailing Address | 95 AZURE PL, MIRAMAR BEACH, FL 32550-5253 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 01, 2019 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 01, 2019 · Amount on Record |
| Deed Sale | Apr 01, 2019 · Amount on Record |
| Prior Sale | Dec 06, 2004 · Amount on Record |
| Deed Document Number | 20190009614 |
| Deed Book / Page | 3101 / 0001 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 256 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8262 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 256 SANDY CAY DR, SANDESTIN, FL 32550-8262 |
| Document Number | 0031934926 |
|---|---|
| Date | Apr 21, 2021 |
| Book Page | 3193/4926 |
| Instrument | 20210019507 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 01, 2019 |
| Property Address | 256 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8262 |
| Document Number | 0031010001 |
| Book / Page | 003101 / 000001 |
| Instrument Date | Mar 29, 2019 |
| Instrument | 9614 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2019 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,003.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 256 SANDY CAY DR MIRAMAR BEACH FL 325508262, MIRAMAR BEACH, FL 32550-8262 |
| Document Number | 31010003 |
|---|---|
| Date | Apr 01, 2019 |
| Book Page | 003101/000003 |
| Instrument | 9615 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 31, 2049 |
Source: Walton County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $663,772 (-7.85%) Land $125,000 Building $538,772 | $663,772 (-7.85%) Land $125,000 Building $538,772 | |
| 2024 | $6,122.00 (-5.95%) | ||
| 2023 | $6,509.00 (+8.37%) | $720,317 (+11.14%) Land $41,349 Building $678,968 | $720,317 (+11.14%) Land $41,349 Building $678,968 |
| 2022 | $6,006.00 | $648,099 Land $45,898 Building $602,201 | $648,099 Land $45,898 Building $602,201 |
Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USFWS Coastal Barrier Resources System as of December 19, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
| 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 657 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOUTH WALTON UTILITY COMPANY private · serves 26,668 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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