Walton County property record for 430 Sandy Cay Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,548 sqft · built 2004 |
| Lot Size | 0.138 acres (6,029 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $260,000 (May 2011) |
| Tax Bill | $5,088 (2025) |
| Deeds & Mortgages | Sep 2023 Transfer Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00C-0210 |
| Primary APN | 30-2S-21-42790-00C-0210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,548 sqft Living Area |
| Gross Area | 2,132 sqft |
| 1st Floor Area | 1,548 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 6,029 sqft (0.138 acres) |
| Lot Dimensions | 110 ft deep x 62 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 24 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 430 SANDY CAY DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 21 BLK C PARADISE RETREAT PB 15-72 OR 2617-1107 OR 2865-2546 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | C |
| Legal Lot Number | 21 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 950608 |
430 Sandy Cay Dr is held in a trust since September 2023.
Source: Walton County records, as of January 16, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 14092 MONTE VEDRA RD SE, HUNTSVILLE, AL 35803-1904 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 15, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Nov 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SYNOVUS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2011 · Amount on File |
| Deed Sale | May 10, 2011 · Amount on File |
| Prior Sale | Jun 24, 2004 · Amount on File |
| Deed Document Number | 201155587 |
| Deed Book / Page | 2865 / 2546 |
| Last Transfer Date | Sep 15, 2023 |
| Transfer Doc | 0033020836 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 15, 2023 |
| Property Address | 430 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259 |
| Document Number | 0033020836 |
| Book / Page | 3302 / 836 |
| Map Reference | MB 15 PG 72-72C |
| Instrument Date | Sep 15, 2023 |
| Instrument | 20230033448 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14092 MONTE VEDRA RD SE, HUNTSVILLE, AL 35803-1904 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 14092 MONTE VEDRA RD SE, HUNTSVILLE, AL 35803-1904 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 430 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 14092 MONTE VEDRA RD SE, HUNTSVILLE, AL 35803-1904 |
| Document Number | 0031672012 |
|---|---|
| Date | Nov 3, 2020 |
| Book Page | 3167/2012 |
| Instrument | 20200044653 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35209 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2035 |
The 2025 property tax bill for 430 Sandy Cay Dr was $5,088, down 2% from the year before.
Source: Walton County assessment roll, as of December 3, 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 | $5,088.00 (-1.98%) | $563,107 Land $125,000 Building $438,107 | $563,107 Land $125,000 Building $438,107 |
| 2024 | $5,191.00 (+24.6%) | ||
| 2023 | $4,166.00 (+8.04%) | $593,423 (+10.8%) Land $41,349 Building $552,074 | $593,423 (+10.8%) Land $41,349 Building $552,074 |
| 2022 | $3,856.00 | $535,566 Land $45,898 Building $489,668 | $535,566 Land $45,898 Building $489,668 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 430 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 430 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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