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

Walton County property record for 352 Sandy Cay Dr, Miramar Beach, FL 32550 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,919 sqft · built 2004
Lot Size	0.152 acres (6,623 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Jun 2020)
Tax Bill	$5,475 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42790-00C-0160`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42790-00C-0160`
Alternative APNs	`30-221-42790-00C-0160` `1068547`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,919 sqft Living Area
Gross Area	2,713 sqft
1st Floor Area	1,919 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	6,623 sqft (0.152 acres)
Lot Dimensions	110 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	174 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	352 SANDY CAY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLK C PARADISE RETREAT PB 15-72 OR 2630-1171 OR 2642-10 OR 2682-4884 OR 2858-3700 OR 2863-4881 OR 3008-185 OR 3147-2669
Legal Range	021
Legal Township	02S
Legal Section	30
Legal Subdivision	PARADISE RETREAT
Legal Block	C
Legal Lot Number	16
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2013
Census Tract	950608

Owner

Source: Walton County records · APN 30-2S-21-42790-00C-0160

Assessment roll updated December 3, 2025 · Last verified April 2026

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	1664 MALLORY LN, BRENTWOOD, TN 37027-7930
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 24, 2020 · Amount on Record
Deed Sale	Jun 24, 2020 · Amount on Record
Prior Sale	Apr 26, 2016 · Amount on Record
Deed Document Number	202021814
Deed Book / Page	3147 / 2669
Prior Transfer Date	Aug 01, 2005
Prior Transfer Doc	0026824884
Record Updated	Jun 08, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 24, 2020
Property Address	352 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8257
Document Number	0031472669
Book / Page	3147 / 2669
Map Reference	MB 15 PG 72&72-72C
Instrument Date	Jun 19, 2020
Instrument	20200021814
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1977 FALLING LEAVES LN, 1977, LEXINGTON, KY 40509-8013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3408 RAVENWOOD LN, MIRAMAR BEACH, FL 32550-7891
Investor	Possibly a Property Investor

Mortgage

Document Number	0031472672
Date	Jun 24, 2020
Instrument	3147/2672

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$5,475.00 (+3.05%)	$655,529 (-7.66%) Land $125,000 Building $530,529	$655,529 (-7.66%) Land $125,000 Building $530,529
2024	$5,313.00 (+0.95%)
2023	$5,263.00 (+8.25%)	$709,928 (+11.12%) Land $41,349 Building $668,579	$709,928 (+11.12%) Land $41,349 Building $668,579
2022	$4,862.00	$638,883 Land $45,898 Building $592,985	$638,883 Land $45,898 Building $592,985

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121319506082, refreshed September 2026 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 203 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	706 units insured 503 under condo master policies
Nearby Flood Claims	3 (2014–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020, rainfall accumulation, Hurricane Sally

Coastal Barrier Resources

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	October 18, 1982
NFIP Eligibility	Not eligible (built 2004) built after the October 1, 1983 cutoff · private flood insurance only

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 657 locations within about half a mile of this property

Provider	Technology	Download / Upload (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

Availability varies by address; speeds are provider-advertised maximums, not measured.