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

Walton County property record for 461 Sandy Cay Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,653 sqft · built 2004
Lot Size	0.145 acres (6,340 sqft)
Owner	Trust Name on Record
Last Sale	$495,000 (Jan 2020)
Tax Bill	$3,687 (2024)
Deeds & Mortgages	Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42790-00B-0380`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42790-00B-0380`
Alternative APN	`1068527`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,653 sqft Living Area
Gross Area	2,289 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	6,340 sqft (0.145 acres)
Lot Dimensions	11 ft deep x 7 ft wide
Garage Type	Finished
Garage Area	420 sqft

Exterior Amenities

Porch	Porch
Porch Area	216 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1068527
Street Address	461 SANDY CAY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38 BLK B PARADISE RETREAT PB 15-72 OR 2605-4087 OR 2982-4681 OR 3131-3811
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	PARADISE RETREAT
Legal Block	B
Legal Lot Number	38
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2012
Census Tract	950608

Owner

Source: Walton County records, as of December 17, 2025

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

Owner of Record	Trust Name on Record
Mailing Address	461 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2020 · Amount on Record
Deed Sale	Jan 31, 2020 · Amount on Record
Prior Sale	Jun 25, 2015 · Amount on Record
Deed Document Number	20200003397
Deed Book / Page	3131 / 3811
Record Updated	Jun 8, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 31, 2020
Property Address	461 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258
Document Number	0031313811
Book / Page	003131 / 003811
Instrument Date	Jan 30, 2020
Instrument	3397
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,465.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	461 SANDY CAY DR MIRAMAR BEACH FL 325508258, MIRAMAR BEACH, FL 32550-8258

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$669,319 (-6.85%) Land $125,000 Building $544,319	$669,319 (-6.85%) Land $125,000 Building $544,319
2024	$3,687.00 (+3.86%)
2023	$3,550.00 (+1.23%) Homeowner's exemption	$718,574 (+10.49%) Land $41,349 Building $677,225	$718,574 (+10.49%) Land $41,349 Building $677,225
2022	$3,507.00 Homeowner's exemption	$650,349 Land $45,898 Building $604,451	$650,349 Land $45,898 Building $604,451

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

Flood

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

Coastal Barrier Resources

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not 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 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 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