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  6. 261 Sandtrap Rd

261 Sandtrap Rd, Unit 3W, Miramar Beach, FL 32550 Property Records

Walton County property record for 261 Sandtrap Rd, Unit 3W, Miramar Beach, FL 32550

Property Summary

Property TypeCondominium
Lot Size0.016 acres (674 sqft)
OwnerIndividual Name on File
Last Sale$844,000 (Jul 2018)
Tax Bill$9,659 (2025)
Deeds & MortgagesMar 2020 Loan Modification
Jul 2018 Sale & Mortgage
Flood ZoneZone VE (high risk)
APN34-2S-21-42230-000-003W

Property Details

APN / Parcel Number

Primary APN34-2S-21-42230-000-003W
Alternative APNs
  • 34-221-42230-000-003W
  • 1076727

Interior

Units64 Units

Exterior

Architectural StyleCondo/Apartment
Lot Area674 sqft (0.016 acres)

Location & Zoning

Street Address261 SANDTRAP RD, 3W
CityMIRAMAR BEACH
StateFL
Zip32550-4197
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeCC
Legal DescriptionUNIT 3W SANDSPUR CONDO & INT IN COMMON ELEMENTS AS RECD IN OR 348-582 (AKA UNIT 301) OR 2593-970 OR 2838-1600 OR 2853-559 OR 3025-2030 3078-3753
Legal Range021
Legal Township02S
Legal Section34
Legal SubdivisionSANDSPUR CONDO
Legal Lot Number3W
Legal Unit3W
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group1
Census Block1003
Census Tract950609

Owner

Source: Walton County records, as of December 3, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Mailing Address1351 HENNESSY TER, SANDY SPRING, MD 20860-1201
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 24, 2020Loan Modification, Mortgage
FNBT BK
Jul 6, 2018Warranty Deed, Transfer · Commercial Mortgage
FNBT BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 6, 2018 · Amount on File
Deed SaleJul 6, 2018 · Amount on File
Prior SaleNov 4, 2016 · Amount on File
Deed Document Number201822571
Deed Book / Page3078 / 3753
Prior Transfer DateFeb 16, 2010
Prior Transfer Doc0028381600
Record UpdatedJun 8, 2026

March 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionWALTON FL
Property Address261 SANDTRAP RD UNIT 3W, 3W, MIRAMAR BEACH, FL 32550-4197
Document Number0031393013
Instrument DateMar 24, 2020
Transaction TypeMortgage
Record UpdatedJun 16, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1351 HENNESSY TER SANDY SPRING MD 208601201, SANDY SPRING, MD 20860-1201

Mortgage

Document Number0031393013
DateApr 13, 2020
Book Page003139/003013
Instrument12881
Lender
NameFNBT BK
AddressFORT WALTON BEACH, FL 32549
Agreement
AmountAmount on Record

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateJul 6, 2018
Property Address261 SANDTRAP RD UNIT 3W, 3W, MIRAMAR BEACH, FL 32550-4197
Document Number0030783753
Book / Page3078 / 3753
Map ReferenceMB942 PG94
Instrument DateJun 29, 2018
Instrument2018000022571
Transaction TypeTransfer
Record UpdatedAug 2, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address257 AMELIA LN, 257, SANTA ROSA BEACH, FL 32459-5604

Transferred To (Grantee/Buyer)

NameVerified Name
Address1351 HENNESSY TER, SANDY SPRING, MD 20860-1201

Mortgage

Document Number2018000022572
DateJul 6, 2018
Instrument2018000022572
Lender
NameFNBT BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount on Record

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,659.00 (+3.38%)$1,207,553 (-) Building $1,207,553$1,207,553 (-) Building $1,207,553
2024$9,343.00 (+4.84%)
2023$8,912.00 (+35.4%)$1,207,553 (+7%) Building $1,207,553$1,207,553 (+7%) Building $1,207,553
2022$6,582.00$710,325 Building $710,325$710,325 Building $710,325

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 750 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies4,168 units insured
incl. 3,418 condo units
Nearby Flood Claims64 (1995–2024)
Claims Outside the SFHA45 of 64
Most Recent ClaimSep 2024 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 7 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 29 claims
  • Hurricane Frances, Sep 2004 · 10 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSOUTH WALTON UTILITY COMPANY
private · serves 26,668 people · EPA ID FL1660615
Water SourceGroundwater
Last State InspectionFeb 2026
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 241 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber		5,000 / 5,000
Cox Communications
Cable		2,000 / 35
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Mediacom Xtream, Wildstar Networks.

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