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

Walton County property record for 494 Sandy Cay Dr, Miramar Beach, FL 32550 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,919 sqft · built 2004
Lot Size	0.154 acres (6,735 sqft)
Owner	Individual Name on File
Last Sale	$687,500 (Aug 2021)
Tax Bill	$5,984 (2024)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42790-00C-0280`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42790-00C-0280`
Alternative APN	`1068559`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,919 sqft Living Area
Gross Area	2,513 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	6,735 sqft (0.154 acres)
Lot Dimensions	11 ft deep x 6 ft wide
Garage Type	Finished
Garage Area	420 sqft
Porch	Porch
Porch Area	174 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1068559
Street Address	494 SANDY CAY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8259
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 BLK C PARADISE RETREAT PB 15-72 OR 2607-929 OR 2630-3574 OR 3210-2816
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	PARADISE RETREAT
Legal Block	C
Legal Lot Number	28
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2013
Census Tract	950608

Owner

Source: Walton County records · APN 30-2S-21-42790-00C-0280

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	5 WESTOVER CT # 14783, 14783, SANFORD, NC 27332-0605
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 05, 2021 · Amount on Record
Deed Sale	Aug 05, 2021 · Amount on Record
Prior Sale	Sep 08, 2004 · Amount on Record
Deed Document Number	20210039459
Deed Book / Page	3210 / 2816
Record Updated	Jun 08, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 05, 2021
Property Address	494 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8259
Document Number	0032102816
Book / Page	3210 / 2816
Map Reference	MB 15 PG 72
Instrument Date	Jul 30, 2021
Instrument	20210039459
Transaction Type	Transfer
Record Updated	Aug 25, 2021
Title Company	BRIGHT LINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,812.50
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4141 COMMONS DR W # W4110, 4141, DESTIN, FL 32541-6402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 WESTOVER DR # 14783, 14783, SANFORD, NC 27330-8941

Mortgage

Document Number	32102818
Date	Aug 05, 2021
Instrument	3210/2818

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$648,887 (-7.51%) Land $125,000 Building $523,887	$648,887 (-7.51%) Land $125,000 Building $523,887
2024	$5,984.00 (-5.63%)
2023	$6,341.00 (+8.36%)	$701,548 (+11.1%) Land $41,349 Building $660,199	$701,548 (+11.1%) Land $41,349 Building $660,199
2022	$5,852.00	$631,463 Land $45,898 Building $585,565	$631,463 Land $45,898 Building $585,565

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 203 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	706 units insured 503 under condo master policies
Nearby Flood Claims	3 (2014–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020, rainfall accumulation, Hurricane Sally

Coastal Barrier Resources

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	October 18, 1982
NFIP Eligibility	Not eligible (built 2004) built after the October 1, 1983 cutoff · private flood insurance only

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 657 locations within about half a mile of this property

Provider	Technology	Download / Upload (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

Availability varies by address; speeds are provider-advertised maximums, not measured.