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

Walton County property record for 276 Sandy Cay Dr, Miramar Beach, FL 32550

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,535 sqft · built 2004
Lot Size0.147 acres (6,399 sqft)
Owner2 Individual Names on Record
Last Sale$842,000 (Sep 2026)
Tax Bill$5,373 (2025)
Deeds & MortgagesSep 2026 Sale & Mortgage
Nov 2023 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN30-2S-21-42790-00C-0110

Property Details

APN / Parcel Number

Primary APN30-2S-21-42790-00C-0110
Alternative APNs
  • 30-221-42790-00C-0110
  • 1068542

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,535 sqft Living Area
Gross Area2,115 sqft
1st Floor Area1,535 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,399 sqft (0.147 acres)
Lot Dimensions110 ft deep x 72 ft wide
Garage TypeAttached
Garage Area400 sqft
PorchSlab
Porch Area36 sqft
Patio Area140 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address276 SANDY CAY DR
CityMIRAMAR BEACH
StateFL
Zip32550-8262
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCC
Legal DescriptionLOT 11 BLK C PARADISE RETREAT PB 15-72 OR 2643-3917 OR 2644-3604 OR 2715-1976 OR 2871-3156 OR 3308-1202
Legal Range021
Legal Township02S
Legal Section30
Legal SubdivisionPARADISE RETREAT
Legal BlockC
Legal Lot Number11
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2013
Census Tract950608

Owner

Source: Walton County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address284 WALNUT DR, ALTO, GA 30510-5416
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 11, 2026Warranty Deed, Transfer · Conventional Mortgage
AMERICAN FINANCIAL
Nov 17, 2023Warranty Deed, Transfer
COTTON LAND TITLE INC, COTTON LAND TITLE LLC
Aug 13, 2020Deed of Trust, Mortgage · Conventional Mortgage
PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 11, 2026 · Amount on Record
Deed SaleSep 11, 2026 · Amount on Record
Prior SaleNov 17, 2023 · Amount on Record
Deed Document Number202637597
Deed Book / Page3412 / 2012
Prior Transfer DateApr 11, 2006
Prior Transfer Doc0027151976
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateSep 11, 2026
Property Address276 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8262
Document Number0000037597
Book / Page3412 / 2012
Instrument DateSep 11, 2026
Instrument202637597
Transaction TypeTransfer
Record UpdatedSep 29, 2026
Title CompanyCOTTON LAND TITLE INC, COTTON LAND TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$595,294.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address284 WALNUT DR, ALTO, GA 30510-5416

Mortgage

Document Number0000037598,
DateSep 11, 2026
Book Page3412/2013
Instrument202637598
Lender
NameAMERICAN FINANCIAL
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateNov 17, 2023
Property Address276 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8262
Document Number0033081202
Book / Page3308 / 1202
Map ReferenceMB 15 PG 72-72C
Instrument DateNov 2, 2023
Instrument20230041756
Transaction TypeTransfer
Record UpdatedDec 19, 2023
Title CompanyCOTTON LAND TITLE INC, COTTON LAND TITLE LLC

Transaction

AmountAmount Recorded
Tax$4,375.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address28 SANDESTIN ESTATES DR, MIRAMAR BEACH, FL 32550-4553

Transferred To (Grantee/Buyer)

NameVerified Name
Address313 SAND MYRTLE TRL, DESTIN, FL 32541-3428

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address276 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8262
Document Number0031592278
Instrument DateAug 13, 2020
Transaction TypeMortgage
Record UpdatedOct 21, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address276 SANDY CAY DR MIRAMAR BEACH FL 325508262, MIRAMAR BEACH, FL 32550-8262

Mortgage

Document Number0031592278
DateSep 14, 2020
Book Page003159/002278
Instrument35646
Lender
NamePRIVATE INDIVIDUAL
TypePrivate Party
AddressPENSACOLA, FL 32501
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 13, 2050

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$5,373.00 (+5.66%)$594,670 (+2.73%) Land $125,000 Building $469,670$594,670 (+2.73%) Land $125,000 Building $469,670
2024$5,085.00 (+266.09%)
2023$1,389.00 (+1.68%) Homeowner's exemption$578,845 (+10.75%) Land $41,349 Building $537,496$578,845 (+10.75%) Land $41,349 Building $537,496
2022$1,366.00 Homeowner's exemption$522,677 Land $45,898 Building $476,779$522,677 Land $45,898 Building $476,779

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 X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 203 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies706 units insured
incl. 503 condo units
Nearby Flood Claims3 (2014–2020)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 2020 · Hurricane Sally

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources SystemYes
UnitP32 “Moreno Point”
Unit TypeSystem Unit
DesignatedOct 18, 1982
NFIP EligibilityNot 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

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

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 657 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 / 100
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

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