43 Sandy Dunes Cir, Miramar Beach, FL 32550 Property Records

Walton County property record for 43 Sandy Dunes Cir, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	8 bd · 7 ba · 3,955 sqft · built 2024
Lot Size	0.1 acres (4,375 sqft)
Owner	Company Name on File
Last Sale	$700,000 (Jun 2023)
Tax Bill	$18,322 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2024 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`34-2S-21-42750-000-0060`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42750-000-0060`
Alternative APNs	`34-221-42750-000-0060` `1077379`

Interior

Bedrooms	8 Beds
Full Baths	7 Baths
Stories	4 Stories
Building Area	3,955 sqft Living Area
Gross Area	5,580 sqft
Flooring	Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,375 sqft (0.1 acres)
Garage Type	Carport
Garage Area	1,280 sqft
Carport	Carport
Carport Area	1,280 sqft
Porch	Open/Unfinished Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	43 SANDY DUNES CIR
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 6 EMERALD DUNES S/D PB 11-43 OR 1666-130 OR 1764-223 OR 3059-1022 OR 3131-2736 OR 3292-3650
Legal Range	021
Legal Township	02S
Legal Section	34
Legal Subdivision	EMERALD DUNES
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

43 Sandy Dunes Cir is owned by a company that bought it in June 2023.

Source: Walton County records, as of June 9, 2026

Owner of Record	Company Name on File
Mailing Address	1535 ISLAND GREEN LN W, MIRAMAR BEACH, FL 32550-4555
Owner Type	Company
Vesting	Company

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

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Commercial Mortgage DEEPHAVEN MORTGAGE LLC
Sep 27, 2024	Deed of Trust, Mortgage · Conventional Mortgage FUNDLOANS CAPITAL
Jun 16, 2023	Warranty Deed, Transfer AQUA TITLE SERVICES
Jun 8, 2022	Warranty Deed, Transfer AQUA TITLE SERVICES
Jan 29, 2020	Warranty Deed, Transfer PROVIDENT TITLE
Dec 6, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2023 · Amount on File
Deed Sale	Jun 16, 2023 · Amount on File
Prior Sale	Dec 6, 2017 · Amount on File
Deed Document Number	202321329
Deed Book / Page	3292 / 3650
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	43 SANDY DUNES CIR, MIRAMAR BEACH, FL 32550-4111
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1535 ISLAND GREEN LN W, MIRAMAR BEACH, FL 32550-4555
Investor	Possibly a Property Investor

Mortgage

Document Number	0033721873
Date	Sep 29, 2025
Book Page	3372/1873
Instrument	20250035133

Lender

Name	DEEPHAVEN MORTGAGE LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	43 SANDY DUNES CIR, MIRAMAR BEACH, FL 32550-4111
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	AQUA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1535 ISLAND GREEN LN W, MIRAMAR BEACH, FL 32550-4555
Investor	Possibly a Property Investor

Mortgage

Document Number	0033371406
Date	Sep 27, 2024
Book Page	3337/1406
Instrument	20240033902

Lender

Name	FUNDLOANS CAPITAL
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 16, 2023
Property Address	43 SANDY DUNES CIR, MIRAMAR BEACH, FL 32550-4111
Document Number	0032923650
Book / Page	3292 / 3650
Map Reference	MB 11 PG 43&43A
Instrument Date	Jun 7, 2023
Instrument	20230021329
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$4,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	55 BLACKLAND CT W, MARIETTA, GA 30067-4701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1535 ISLAND GREEN LN W, MIRAMAR BEACH, FL 32550-4555

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 8, 2022
Property Address	43 SANDY DUNES CIR, MIRAMAR BEACH, FL 32550-4111
Document Number	0032552325
Book / Page	3255 / 2325
Map Reference	MB 11 PG 43&43A
Instrument Date	Jun 6, 2022
Instrument	20220026884
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Limited Transfer Tax Data
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3350 NOBLE WAY, VALDOSTA, GA 31605-7444

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 BLACKLAND CT W, MARIETTA, GA 30067-4701
Investor	Possibly a Property Investor

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 29, 2020
Property Address	SANDY DUNES CIR, MIRAMAR BEACH, FL 32550
Document Number	0031312736
Book / Page	003131 / 002736
Instrument Date	Oct 23, 2019
Instrument	3204
Transaction Type	Transfer
Record Updated	Feb 28, 2020
Title Company	PROVIDENT TITLE

Transaction

Amount	Amount on Record
Tax	$84,525.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4481 LEGENDARY DR #200 DESTIN FL 325415382, 200, DESTIN, FL 32541-5382

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 6, 2017
Property Address	SANDY DUNES CIR, MIRAMAR BEACH, FL 32550
Document Number	0030591022
Book / Page	003059 / 001022
Instrument Date	Nov 28, 2017
Instrument	39943
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,260.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11297 HIGHLAND RD BATON ROUGE LA 708104402, BATON ROUGE, LA 70810-4402

Tax Assessment & Valuation

The 2025 property tax bill for 43 Sandy Dunes Cir was $18,322, up 254.9% from the year before.

Source: Walton County assessment roll, as of December 3, 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	$18,322.00 (+254.87%)	$2,027,838 Land $575,000 Building $1,452,838	$2,027,838 Land $575,000 Building $1,452,838
2024	$5,163.00 (+9.41%)
2023	$4,719.00 (-3.26%)	$519,350 (-9.91%) Land $519,350	$519,350 (-9.91%) Land $519,350
2022	$4,878.00	$576,478 Land $576,478	$576,478 Land $576,478

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

Flood

FEMA maps place 43 Sandy Dunes Cir in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 750 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4,168 units insured incl. 3,418 condo units
Nearby Flood Claims	64 (1995–2024)
Claims Outside the SFHA	45 of 64
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 29 claims Hurricane Frances, Sep 2004 · 10 claims

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

Wildfire risk around 43 Sandy Dunes Cir 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 241 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 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, Wildstar Networks.

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