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

Walton County property record for 384 Sandy Cay Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,653 sqft · built 2004
Lot Size	0.151 acres (6,587 sqft)
Owner	Individual Name on Record
Last Sale	$680,000 (Dec 2021)
Tax Bill	$6,061 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42790-00C-0180`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42790-00C-0180`
Alternative APN	`1068549`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,653 sqft Living Area
Gross Area	2,097 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	6,587 sqft (0.151 acres)
Lot Dimensions	11 ft deep x 7.5 ft wide
Garage Type	Finished
Garage Area	420 sqft

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Patio Area	140 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1068549
Street Address	384 SANDY CAY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 BLK C PARADISE RETREAT PB 15-72 OR 2619-463 OR 2628-2015 OR 2819-4958 OR 3230-4286
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	PARADISE RETREAT
Legal Block	C
Legal Lot Number	18
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2013
Census Tract	950608

Owner

Source: Walton County records, as of December 17, 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 Record
Mailing Address	11210 DONNINGTON DR, JOHNS CREEK, GA 30097-8414
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2021 · Amount on Record
Deed Sale	Dec 22, 2021 · Amount on Record
Prior Sale	Jun 24, 2009 · Amount on Record
Deed Document Number	20210063194
Deed Book / Page	3230 / 4286
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 22, 2021
Property Address	384 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8257
Document Number	0032304286
Book / Page	3230 / 4286
Map Reference	MB 15 PG 72-72C
Instrument Date	Dec 10, 2021
Instrument	20210063194
Transaction Type	Transfer
Record Updated	Jan 7, 2022
Title Company	NOT AVAILABLE, LORI OGLES FOR RELI TTL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1003 W CRAWFORD ST, 1003, EBENSBURG, PA 15931-1355

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11210 DONNINGTON DR, JOHNS CREEK, GA 30097-8414

Mortgage

Document Number	0032304288
Date	Dec 22, 2021
Instrument	3230/4288

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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		$657,686 (-6.15%) Land $125,000 Building $532,686	$657,686 (-6.15%) Land $125,000 Building $532,686
2024	$6,061.00 (-4.55%)
2023	$6,350.00 (+15.66%)	$700,785 (+18.29%) Land $41,349 Building $659,436	$700,785 (+18.29%) Land $41,349 Building $659,436
2022	$5,490.00	$592,436 Land $45,898 Building $546,538	$592,436 Land $45,898 Building $546,538

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

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 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 Fixed Wireless	100 / 20