Walton County property record for 475 Sandy Cay Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,919 sqft · built 2004 |
| Lot Size | 0.155 acres (6,767 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $456,000 (Dec 2020) |
| Tax Bill | $2,973 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit Dec 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00B-0390 |
| Primary APN | 30-2S-21-42790-00B-0390 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,919 sqft Living Area |
| Gross Area | 2,733 sqft |
| 1st Floor Area | 1,919 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 | 6,767 sqft (0.155 acres) |
| Lot Dimensions | 110 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 174 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 475 SANDY CAY DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8258 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CC |
| Legal Description | LOT 39 BLK B PARADISE RETREAT PB 15-72 OR 2608-3748 OR 3053-86 OR 3171-2324 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | B |
| Legal Lot Number | 39 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 950608 |
Source: Walton County records · APN 30-2S-21-42790-00B-0390
Assessment roll updated December 3, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 475 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2021 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Dec 01, 2020 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| May 07, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Sep 22, 2017 | Deed of Trust, Mortgage · Conventional with PMI NASA FCU |
| Sep 25, 2017 | Warranty Deed, Transfer · Conventional Mortgage NASA FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 01, 2020 · Amount on Record |
| Deed Sale | Dec 01, 2020 · Amount on Record |
| Prior Sale | Sep 25, 2017 · Amount on Record |
| Deed Document Number | 202049186 |
| Deed Book / Page | 3171 / 2324 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 475 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Transaction Type | Mortgage |
| Record Updated | Sep 08, 2021 |
| Name | Verified Name |
|---|---|
| Address | 475 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 0032133657 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 3213/3657 |
| Instrument | 20210043201 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 07, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 01, 2020 |
| Property Address | 475 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 0031712324 |
| Book / Page | 3171 / 2324 |
| Map Reference | MB 15 PG 72 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 20200049186 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,192.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 28287, CHATTANOOGA, TN 37424-8287 |
| Name | Verified Name |
|---|---|
| Address | 475 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 0031712326 |
|---|---|
| Date | Dec 01, 2020 |
| Instrument | 3171/2326 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 475 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 0031422873 |
| Instrument Date | May 07, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 475 SANDY CAY DR MIRAMAR BEACH FL 325508258, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 0031422873 |
|---|---|
| Date | May 12, 2020 |
| Book Page | 003142/002873 |
| Instrument | 16054 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 11, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 475 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 0030530088 |
| Instrument Date | Sep 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 475 SANDY CAY DR MIRAMAR BEACH FL 325508258, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 0030530088 |
|---|---|
| Date | Oct 18, 2017 |
| Book Page | 003053/000088 |
| Instrument | 34661 |
| Name | NASA FCU |
|---|---|
| Type | Credit Union |
| Address | UPPER MARLBORO, MD 20774 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 17, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 25, 2017 |
| Property Address | 475 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 0030530086 |
| Book / Page | 3053 / 0086 |
| Map Reference | MB15 PG72 |
| Instrument Date | Sep 21, 2017 |
| Instrument | 2017000031485 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | PROVIDENT TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 252 CALUSA BLVD, 252, DESTIN, FL 32541-3708 |
| Name | Verified Name |
|---|---|
| Address | 475 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 2017000031486 |
|---|---|
| Date | Sep 25, 2017 |
| Instrument | 2017000031486 |
| Name | NASA FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,973.00 (+2.02%) Homeowner's exemption | $367,698 (-48.45%) | $658,325 (-7.71%) Land $125,000 Building $533,325 |
| 2024 | $2,914.00 (+3.92%) | ||
| 2023 | $2,804.00 (+1.34%) Homeowner's exemption | $713,349 (+11.12%) Land $41,349 Building $672,000 | $713,349 (+11.12%) Land $41,349 Building $672,000 |
| 2022 | $2,767.00 Homeowner's exemption | $641,962 Land $45,898 Building $596,064 | $641,962 Land $45,898 Building $596,064 |
Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USFWS Coastal Barrier Resources System as of December 19, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 |
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 657 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOUTH WALTON UTILITY COMPANY private · serves 26,668 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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