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

Walton County property record for 306 Sandy Cay Dr, Miramar Beach, FL 32550

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,919 sqft · built 2004
Lot Size0.153 acres (6,666 sqft)
Owner2 Company Names on Record
Last Sale$760,000 (Mar 2023)
Tax Bill$5,597 (2024)
Deeds & MortgagesMar 2023 Sale
Sep 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN30-2S-21-42790-00C-0130

Property Details

APN / Parcel Number

Primary APN30-2S-21-42790-00C-0130
Alternative APN
  • 1068544

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,919 sqft Living Area
Gross Area2,513 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,666 sqft (0.153 acres)
Lot Dimensions11 ft deep x 6 ft wide
Garage TypeFinished
Garage Area420 sqft
PorchPorch
Porch Area174 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number1068544
Street Address306 SANDY CAY DR
CityMIRAMAR BEACH
StateFL
Zip32550-8257
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 13 BLK C PARADISE RETREAT PB 15-72 OR 2641-3749 OR 2643-64 OR 2712-3366 OR 2797-4741 OR 2801-4149 OR 3043-4309 OR
Legal Range21W
Legal Township02S
Legal Section30
Legal SubdivisionPARADISE RETREAT
Legal BlockC
Legal Lot Number13
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2013
Census Tract950608

Owner

Source: Walton County records, as of December 17, 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 Record2 Company Names on Record
Co-ownerCo-owner on Record
Mailing Address306 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8257
OccupancyOwner Occupied
Owner TypeCompany, Secondary Individual
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Mar 20, 2023Warranty Deed, Transfer
NAUTILUS TITLE & ESCROW LLC
Sep 30, 2021Deed of Trust, Mortgage · Conventional Mortgage
LEND SMART MORTGAGE LLC
Jun 12, 2017Warranty Deed, Transfer · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names3 Names on Deed
Last SaleMar 20, 2023 · Amount on Record
Deed SaleMar 20, 2023 · Amount on Record
Prior SaleJun 12, 2017 · Amount on Record
Deed Document Number0032834087
Deed Book / Page3283 / 4087
Record UpdatedJun 8, 2026

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMar 20, 2023
Property Address306 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8257
Document Number0032834087
Book / Page3283 / 4087
Map ReferenceMB 15 PG 72&72C
Instrument DateMar 20, 2023
Instrument20230009421
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyNAUTILUS TITLE & ESCROW LLC

Transaction

AmountAmount Recorded
Tax$5,320.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9225 E TANQUE VERDE RD # RD4104, RD4104, TUCSON, AZ 85749-8718

Transferred To (Grantee/Buyer)

NameVerified Name
Address14089 JEAN TRCE, BLOOMINGTON, IL 61705-6694

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address306 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8257
Transaction TypeMortgage
Record UpdatedAug 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address306 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8257

Mortgage

Document Number0032182964
DateSep 30, 2021
Book Page3218/2964
Instrument20210048976
Lender
NameLEND SMART MORTGAGE LLC
TypeMortgage Company
AddressSAINT PAUL, MN 55126
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueOct 1, 2036

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateJun 12, 2017
Property Address306 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8257
Document Number0030434309
Book / Page3043 / 4309
Map ReferenceMB15 PG72&72C
Instrument DateJun 8, 2017
Instrument20170019094
Transaction TypeTransfer
Record UpdatedAug 2, 2022
Title CompanyMCGILL ESCROW & TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1003 W CRAWFORD ST, 1003, EBENSBURG, PA 15931-1355

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address8228 BAILEY COVE RD SE APT 9, 9, HUNTSVILLE, AL 35802-3277

Mortgage

Document Number0030434310
DateJun 12, 2017
Instrument3043/4310
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueJul 1, 2037

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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$644,842 (-7.4%) Land $125,000 Building $519,842$644,842 (-7.4%) Land $125,000 Building $519,842
2024$5,597.00 (-11.54%)
2023$6,327.00 (+151.67%)$696,389 (+11.08%) Land $41,349 Building $655,040$696,389 (+11.08%) Land $41,349 Building $655,040
2022$2,514.00 Homeowner's exemption$626,903 Land $45,898 Building $581,005$626,903 Land $45,898 Building $581,005

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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