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

Walton County property record for 285 Sandy Cay Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,989 sqft · built 2004
Lot Size	0.142 acres (6,229 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (Nov 2021)
Tax Bill	$6,934 (2024)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42790-00B-0180`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42790-00B-0180`
Alternative APN	`1068507`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,989 sqft Living Area
Gross Area	2,931 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.142 acres)
Lot Dimensions	12.1 ft deep x 5.2 ft wide
Garage Type	Finished
Garage Area	420 sqft

Exterior Amenities

Porch	Porch
Porch Area	49 sqft
Patio Area	140 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1068507
Street Address	285 SANDY CAY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8261
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 BLK B PARADISE RETREAT PB 15-72 OR 2638-584 OR 2649-172 OR 2792-4825 OR 2814-2624 OR 2816-2444 OR 3224-3744
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	PARADISE RETREAT
Legal Block	B
Legal Lot Number	18
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2012
Census Tract	950608

Owner

Source: Walton County assessment roll, as of July 1, 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	10575 TIMBERSTONE RD, JOHNS CREEK, GA 30022-5837
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 10, 2021 · Amount on Record
Deed Sale	Nov 10, 2021 · Amount on Record
Prior Sale	May 7, 2009 · Amount on Record
Deed Document Number	20210056074
Deed Book / Page	3224 / 3744
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 10, 2021
Property Address	285 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261
Document Number	0032243744
Book / Page	3224 / 3744
Map Reference	MB 15 PG 72
Instrument Date	Nov 5, 2021
Instrument	20210056074
Transaction Type	Transfer
Record Updated	Nov 26, 2021
Title Company	ELIM TITLE LLC, RELI TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9465 COUNTY ROAD 24, 9465, ELDRIDGE, AL 35554-3931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10575 TIMNERSTONE ROAD, ALPHARETTA, GA 30022-5837

Mortgage

Document Number	32243746
Date	Nov 10, 2021
Instrument	3224/3746

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$752,166 (-8.28%) Land $125,000 Building $627,166	$752,166 (-8.28%) Land $125,000 Building $627,166
2024	$6,934.00 (-2.21%)
2023	$7,091.00 (+20.08%)	$820,093 (+28.69%) Land $41,349 Building $778,744	$820,093 (+28.69%) Land $41,349 Building $778,744
2022	$5,905.00	$637,243 Land $45,898 Building $591,345	$637,243 Land $45,898 Building $591,345

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 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

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

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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 USA Fixed Wireless	100 / 20