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

Walton County property record for 391 Sandy Cay Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,011 sqft · built 2004
Lot Size	0.132 acres (5,793 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Dec 2017)
Tax Bill	$5,655 (2023)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42790-00B-0300`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42790-00B-0300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,011 sqft Living Area
Gross Area	2,711 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	5,793 sqft (0.132 acres)
Lot Dimensions	11 ft deep x 4.7 ft wide
Garage Type	Finished
Garage Area	518 sqft

Exterior Amenities

Porch	Porch
Porch Area	42 sqft
Patio Area	140 sqft
Fence	Fence
Arbor/Pergola	Arbor/Pergola

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	391 SANDY CAY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8260
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWN/RNG/MER:SEC 30 TWN 02S RNG 021
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	PARADISE RETREAT
Legal Block	B
Legal Lot Number	30
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2012
Census Tract	950608

Owner

391 Sandy Cay Dr is owned by an individual who bought it in December 2017.

Source: Walton County records, as of December 17, 2025

Owner of Record	Individual Name on File
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2017 · Amount on File
Deed Sale	Dec 8, 2017 · Amount on File
Prior Sale	Nov 25, 2009 · Amount on File
Deed Document Number	2017000040211
Deed Book / Page	3059 / 2000
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	391 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8260
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	391 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8260

Mortgage

Document Number	0032204718
Date	Oct 15, 2021
Book Page	3220/4718
Instrument	20210051661

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 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		$672,216 Land $125,000 Building $547,216	$672,216 Land $125,000 Building $547,216
2023	$5,655.00 (+1.14%) Homeowner's exemption	$730,762 (+11.15%) Land $41,349 Building $689,413	$730,762 (+11.15%) Land $41,349 Building $689,413
2022	$5,591.00 Homeowner's exemption	$657,444 Land $45,898 Building $611,546	$657,444 Land $45,898 Building $611,546

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 391 Sandy Cay Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2014.

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 File 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

The area around 391 Sandy Cay Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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