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

Walton County property record for 423 Sandy Cay Dr, Miramar Beach, FL 32550

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,925 sqft · built 2004
Lot Size0.133 acres (5,793 sqft)
OwnerIndividual Name on File
Last Sale$367,500 (Sep 2016)
Tax Bill$5,567 (2025)
Deeds & MortgagesMay 2020 Loan Modification
Dec 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN30-2S-21-42790-00B-0340

Property Details

APN / Parcel Number

Primary APN30-2S-21-42790-00B-0340
Alternative APNs
  • 30-221-42790-00B-0340
  • 1068523

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,925 sqft Living Area
Gross Area2,507 sqft
1st Floor Area1,925 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialBrick
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area5,793 sqft (0.133 acres)
Lot Dimensions110 ft deep x 47 ft wide
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch
Porch Area162 sqft
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address423 SANDY CAY DR
CityMIRAMAR BEACH
StateFL
Zip32550-8258
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 34 BLK B PARADISE RETREAT PB 15-72 OR 2611-3964 OR 2757-2549 OR 2850-4668 OR 2935-1368 OR 3021-613 OR 3333-1493 OR 3345-1278
Legal Range021
Legal Township02S
Legal Section30
Legal SubdivisionPARADISE RETREAT
Legal BlockB
Legal Lot Number34
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2012
Census Tract950608

Owner

423 Sandy Cay Dr is owned and occupied by an individual who acquired it in December 2024.

Source: Walton County records, as of July 22, 2026

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 RecordIndividual Name on File
Mailing Address423 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
May 4, 2020Loan Modification, Mortgage · Conventional Mortgage
COMMUNITY BK/MS
Dec 11, 2017Warranty Deed, Transfer · Conventional Mortgage
COMMUNITY BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 21, 2016 · Amount on File
Deed SaleSep 21, 2016 · Amount on File
Prior SaleNov 4, 2013 · Amount on File
Deed Document Number201630654
Deed Book / Page3021 / 613
Last Transfer DateDec 13, 2024
Transfer Doc0033451278
Record UpdatedSep 20, 2026

May 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionWALTON FL
Property Address423 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258
Document Number0031431704
Instrument DateMay 4, 2020
Transaction TypeMortgage
Record UpdatedJul 20, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address423 SANDY CAY DR MIRAMAR BEACH FL 325508258, MIRAMAR BEACH, FL 32550-8258

Mortgage

Document Number0031431704
DateMay 19, 2020
Book Page003143/001704
Instrument16905
Lender
NameCOMMUNITY BK/MS
TypeBank
AddressFOREST, MS 39074
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 18, 2050

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateDec 11, 2017
Property Address423 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258
Document Number0030592263
Book / Page003059 / 002263
Instrument DateDec 8, 2017
Instrument40259
Transaction TypeTransfer
Record UpdatedAug 29, 2018
Title CompanyMCGILL ESCROW AND TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,575.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address112 N CURRY ST CARSON CITY NV 897034934, CARSON CITY, NV 89703-4934

Mortgage

Document Number30592264
DateDec 11, 2017
Book Page003059/002264
Instrument40260
Lender
NameCOMMUNITY BK
TypeBank
AddressMIRAMAR BEACH, FL 32550
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueDec 10, 2047
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 423 Sandy Cay Dr was $5,567, up 11.9% from the year before.

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,567.00 (+11.92%)$654,751 Land $125,000 Building $529,751$654,751 Land $125,000 Building $529,751
2024$4,974.00 (+0.4%)
2023$4,954.00 (+8.21%)$708,714 (+11.1%) Land $41,349 Building $667,365$708,714 (+11.1%) Land $41,349 Building $667,365
2022$4,578.00$637,907 Land $45,898 Building $592,009$637,907 Land $45,898 Building $592,009

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

Flood

FEMA maps place 423 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 203 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies706 units insured
incl. 503 condo units
Nearby Flood Claims3 (2014–2020)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 2020 · Hurricane Sally

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources SystemYes
UnitP32 “Moreno Point”
Unit TypeSystem Unit
DesignatedOct 18, 1982
NFIP EligibilityNot 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 423 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 RiskNot 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 SystemSOUTH WALTON UTILITY COMPANY
private · serves 26,668 people · EPA ID FL1660615
Water SourceGroundwater
Last State InspectionFeb 2026
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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