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

Walton County property record for 460 Sandy Cay Dr, Miramar Beach, FL 32550 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,047 sqft · built 2004
Lot Size0.134 acres (5,850 sqft)
OwnerCompany Name on File
Last Sale$875,000 (May 2026)
Tax Bill$6,547 (2025)
Deeds & MortgagesMay 2026 Sale
Apr 2022 Sale
+ 4 more
Flood ZoneZone X (minimal risk)
APN30-2S-21-42790-00C-0240

Property Details

APN / Parcel Number

Primary APN30-2S-21-42790-00C-0240
Alternative APNs
  • 30-221-42790-00C-0240
  • 1068555

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,047 sqft Living Area
Gross Area2,663 sqft
1st Floor Area2,047 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2010
Exterior MaterialBrick
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area5,850 sqft (0.134 acres)
Lot Dimensions110 ft deep x 48 ft wide
Garage TypeAttached
Garage Area420 sqft

Exterior Amenities

PorchFinished/Open Porch
Porch Area56 sqft
Deck Area77 sqft
Patio Area140 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address460 SANDY CAY DR
CityMIRAMAR BEACH
StateFL
Zip32550-8259
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 24 BLK C PARADISE RETREAT PB 15-72 OR 2610-4103 OR 2681-3150 OR 3009-4758 OR 3052-2114 OR 3073-3435 OR 3213-2765 OR 3248-2933 OR 3349-2019 OR 3360-3304
Legal Range021
Legal Township02S
Legal Section30
Legal SubdivisionPARADISE RETREAT
Legal BlockC
Legal Lot Number24
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2013
Census Tract950608

Owner

Source: Walton County records · APN 30-2S-21-42790-00C-0240

Assessment roll updated December 3, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address120 W MELVINA ST, MILWAUKEE, WI 53212-1128
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
May 21, 2026Warranty Deed, Transfer
MCNEESE TITLE LLC, MCNEESE TITLE
Apr 19, 2022Warranty Deed, Transfer
MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW AND TITLE
Aug 26, 2021Warranty Deed, Transfer · Commercial Mortgage
FMS BANK
Dec 26, 2018Warranty Deed, Transfer
May 15, 2018Warranty Deed, Transfer · Conventional Mortgage
BRANCH BK&TR
Sep 15, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 21, 2026 · Amount on Record
Deed SaleMay 21, 2026 · Amount on Record
Prior SaleFeb 10, 2025 · Amount on Record
Deed Document Number202620790
Deed Book / Page3399 / 655
Prior Transfer DateDec 12, 2018
Prior Transfer Doc0030931837
Record UpdatedSep 20, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMay 21, 2026
Property Address460 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259
Document Number0000020790
Book / Page3399 / 655
Instrument DateMay 14, 2026
Instrument202620790
Transaction TypeTransfer
Record UpdatedJun 10, 2026
Title CompanyMCNEESE TITLE LLC, MCNEESE TITLE

Transaction

AmountAmount Recorded
Tax$618,625.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address120 W MELVINA ST, MILWAUKEE, WI 53212-1128

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateApr 19, 2022
Property Address460 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259
Document Number0032482933
Book / Page3248 / 2933
Map ReferenceMB 15 PG 72-72C
Instrument DateApr 18, 2022
Instrument20220018385
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyMCGILL ESCROW AND TITLE LLC, MCGILL ESCROW AND TITLE

Transaction

AmountAmount Recorded
Tax$6,789.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4510 CHARLES ST, 4510, CHEYENNE, WY 82001-2126

Transferred To (Grantee/Buyer)

NameVerified Name
Address7450 ROCKY FORK ALMAVILLE RD, SMYRNA, TN 37167-6045

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateAug 26, 2021
Property Address460 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259
Document Number0032132765
Book / Page3213 / 2765
Map ReferenceMB 15 PG 72
Instrument DateAug 23, 2021
Instrument20210042977
Transaction TypeTransfer
Record UpdatedSep 08, 2021
Title CompanyMCNEESE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5,320.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address52 SECRET HARBOR DR, 52, MIRAMAR BEACH, FL 32550-8266

Transferred To (Grantee/Buyer)

NameVerified Name
Address4510 CHARLES ST, CHEYENNE, WY 82001-2126

Mortgage

Document Number32132767
DateAug 26, 2021
Instrument3213/2767
Lender
NameFMS BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term300 Months
DueAug 23, 2046
Interest
Rate TypeAdjustable Rate

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateDec 26, 2018
Property Address460 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259
Document Number0030931837
Book / Page003093 / 001837
Instrument DateDec 12, 2018
Instrument42511
Transaction TypeTransfer
Record UpdatedJan 14, 2019

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address52 SECRET HARBOR DR MIRAMAR BEACH FL 325508266, MIRAMAR BEACH, FL 32550-8266

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMay 15, 2018
Property Address460 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259
Document Number0030733435
Book / Page003073 / 003435
Instrument DateMay 11, 2018
Instrument15885
Transaction TypeTransfer
Record UpdatedJun 04, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,576.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address7503 DEER VIEW CT LOUISVILLE KY 402411070, LOUISVILLE, KY 40241-1070

Mortgage

Document Number30733437
DateMay 15, 2018
Book Page003073/003437
Instrument15886
Lender
NameBRANCH BK&TR
TypeBank
AddressWILSON, NC 27893
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 14, 2048

September 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWALTON FL
Recording DateSep 15, 2017
Property Address460 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259
Document Number0030522114
Book / Page003052 / 002114
Instrument DateSep 12, 2017
Instrument30622
Transaction TypeTransfer
Record UpdatedOct 09, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address50 COURT DR DESTIN FL 325412111, DESTIN, FL 32541-2111

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,547.00 (-2.83%)$724,577 (-10.7%) Land $125,000 Building $599,577$724,577 (-10.7%) Land $125,000 Building $599,577
2024$6,738.00 (-8.6%)
2023$7,372.00 (+10.34%)$811,391 (+12.54%) Land $41,349 Building $770,042$811,391 (+12.54%) Land $41,349 Building $770,042
2022$6,681.00$721,006 Land $45,898 Building $675,108$721,006 Land $45,898 Building $675,108

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121319506082, refreshed September 2026 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 203 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies706 units insured (503 under condo master policies)
32 of 203 individual policies on primary residences
Nearby Flood Claims3 (2014–2020)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 2020, rainfall accumulation, Hurricane Sally

Coastal Barrier Resources

Coastal Barrier Resources SystemYes
UnitP32 “Moreno Point”
Unit TypeSystem Unit
DesignatedOctober 18, 1982
NFIP EligibilityNot eligible (built 2004)
built after the October 1, 1983 cutoff · private flood insurance only

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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