Walton County property record for 415 Sandy Cay Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,047 sqft · built 2004 |
| Lot Size | 0.132 acres (5,793 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $397,000 (Jul 2018) |
| Tax Bill | $6,215 (2024) |
| Deeds & Mortgages | Oct 2020 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00B-0330 |
| Primary APN | 30-2S-21-42790-00B-0330 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,047 sqft Living Area |
| Gross Area | 3,083 sqft |
| Interior Walls | Wallboard/Drywall |
| 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 | 420 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 56 sqft |
| Patio Area | 560 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1068522 |
|---|---|
| Street Address | 415 SANDY CAY DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8258 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 33 BLK B PARADISE RETREAT PB 15-72 OR 2613-3023 OR 2640-3114 OR 2842-2387 OR 2852-2886 OR 3078-4550 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | B |
| Legal Lot Number | 33 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 950608 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 136 BUXTONS WAY, FREEPORT, FL 32439-7649 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 9, 2018 | Warranty Deed, Transfer · Conventional Mortgage MID-AMERICAN MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2018 · Amount on Record |
| Deed Sale | Jul 9, 2018 · Amount on Record |
| Prior Sale | May 24, 2010 · Amount on Record |
| Deed Document Number | 2018000022803 |
| Deed Book / Page | 3078 / 4550 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 415 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 415 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 0031641014 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 3164/1014 |
| Instrument | 20200040918 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 9, 2018 |
| Property Address | 415 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 0030784550 |
| Book / Page | 3078 / 4550 |
| Map Reference | MB15 PG72 |
| Instrument Date | Jul 6, 2018 |
| Instrument | 2018000022803 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | EMERLAND COAST TITLE SECS LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6317 AUGUSTA CV, 6317, DESTIN, FL 32541-3466 |
| Name | Verified Name |
|---|---|
| Address | 415 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Investor | Possibly a Property Investor |
| Document Number | 2018000022804 |
|---|---|
| Date | Jul 9, 2018 |
| Instrument | 2018000022804 |
| Name | MID-AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $673,866 (-8.05%) Land $125,000 Building $548,866 | $673,866 (-8.05%) Land $125,000 Building $548,866 | |
| 2024 | $6,215.00 (-6.65%) | ||
| 2023 | $6,658.00 (+151.06%) | $732,842 (+11.22%) Land $41,349 Building $691,493 | $732,842 (+11.22%) Land $41,349 Building $691,493 |
| 2022 | $2,652.00 Homeowner's exemption | $658,887 Land $45,898 Building $612,989 | $658,887 Land $45,898 Building $612,989 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
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.
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 |
| 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.
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 |
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