Walton County property record for 416 Sandy Cay Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,653 sqft · built 2004 |
| Lot Size | 0.151 acres (6,578 sqft) |
| Owner | Individual Name on File |
| Last Sale | $780,000 (Dec 2021) |
| Tax Bill | $5,456 (2024) |
| Deeds & Mortgages | Mar 2023 Line of Credit Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00C-0200 |
| Primary APN | 30-2S-21-42790-00C-0200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,653 sqft Living Area |
| Gross Area | 2,097 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 6,578 sqft (0.151 acres) |
| Lot Dimensions | 11 ft deep x 7.5 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Porch | Porch |
| Porch Area | 24 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1068551 |
|---|---|
| Street Address | 416 SANDY CAY DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 20 BLK C PARADISE RETREAT PB 15-72 OR 2618-2291 OR 2638-642 OR 2655-3667 OR 2657-490 OR 2679-2943 OR 3026-4679 OR |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | C |
| Legal Lot Number | 20 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 950608 |
416 Sandy Cay Dr is owned by an individual who bought it in December 2021.
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 Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5 GOLDNEY DR, NEWTOWN, PA 18940-3633 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Apr 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL RESOURCES FCU |
| Dec 27, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 2021 · Amount on File |
| Deed Sale | Dec 27, 2021 · Amount on File |
| Prior Sale | Nov 23, 2016 · Amount on File |
| Deed Document Number | 20210063788 |
| Deed Book / Page | 3231 / 1870 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 416 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5 GOLDNEY DR, NEWTOWN, PA 18940-3633 |
| Document Number | 0032843487 |
|---|---|
| Date | Mar 28, 2023 |
| Book Page | 3284/3487 |
| Instrument | 20230010414 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 13, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 416 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5 GOLDNEY DR, NEWTOWN, PA 18940-3633 |
| Document Number | 0032463603 |
|---|---|
| Date | Apr 6, 2022 |
| Book Page | 3246/3603 |
| Instrument | 20220016299 |
| Name | FINANCIAL RESOURCES FCU |
|---|---|
| Type | Credit Union |
| Address | BRIDGEWATER, NJ 08807 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 27, 2021 |
| Property Address | 416 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259 |
| Document Number | 0032311870 |
| Book / Page | 3231 / 1870 |
| Map Reference | MB 15 PG 72 |
| Instrument Date | Dec 10, 2021 |
| Instrument | 20210063788 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $5,460.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 69 WESTON DR, 69, FAIRVIEW, TX 75069-1933 |
| Name | Verified Name |
|---|---|
| Address | 5 GOLDNEY DR, NEWTOWN, PA 18940-3633 |
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 | $591,818 Land $125,000 Building $466,818 | $591,818 Land $125,000 Building $466,818 | |
| 2024 | $5,456.00 (-3.93%) | ||
| 2023 | $5,679.00 (+8.17%) | $627,141 (+10.7%) Land $41,349 Building $585,792 | $627,141 (+10.7%) Land $41,349 Building $585,792 |
| 2022 | $5,250.00 | $566,535 Land $45,898 Building $520,637 | $566,535 Land $45,898 Building $520,637 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 416 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 |
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 risk around 416 Sandy Cay Dr is low, with less than a 0.01% annual chance of 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.
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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