Walton County property record for 450 Sandy Cay Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,025 sqft · built 2004 |
| Lot Size | 0.126 acres (5,479 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $430,000 (Jan 2005) |
| Tax Bill | $2,072 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00C-0230 |
| Primary APN | 30-2S-21-42790-00C-0230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,025 sqft Living Area |
| Gross Area | 2,711 sqft |
| 1st Floor Area | 2,025 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 | 5,479 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 42 sqft |
| Deck Area | Deck Area |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 450 SANDY CAY DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 23 BLK C PARADISE RETREAT PB 15-72 OR 2613-2179 OR 2648- 2814 OR 2731-2040 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | C |
| Legal Lot Number | 23 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 950608 |
Source: Walton County records, as of December 3, 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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 450 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2005 · Amount on Record |
| Deed Sale | Jan 5, 2005 · Amount on Record |
| Prior Sale | Jun 3, 2004 · Amount on Record |
| Deed Document Number | 2005864285 |
| Deed Book / Page | 2648 / 2814 |
| Last Transfer Date | Aug 9, 2006 |
| Transfer Doc | 0027312040 |
| Record Updated | Jun 8, 2026 |
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 | $2,072.00 (+2.12%) Homeowner's exemption | $268,008 (-65.88%) | $715,760 (-8.87%) Land $125,000 Building $590,760 |
| 2024 | $2,029.00 (+4.1%) | ||
| 2023 | $1,949.00 (+1.46%) Homeowner's exemption | $785,398 (+11.25%) Land $41,349 Building $744,049 | $785,398 (+11.25%) Land $41,349 Building $744,049 |
| 2022 | $1,921.00 Homeowner's exemption | $705,998 Land $45,898 Building $660,100 | $705,998 Land $45,898 Building $660,100 |
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 | 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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