Walton County property record for 504 Sandy Cay Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,929 sqft · built 2004 |
| Lot Size | 0.226 acres (9,845 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $755,000 (Jun 2021) |
| Tax Bill | $6,347 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00A-0200 |
| Primary APN | 30-2S-21-42790-00A-0200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,929 sqft Living Area |
| Gross Area | 2,457 sqft |
| 1st Floor Area | 1,929 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 | 9,845 sqft (0.226 acres) |
| Lot Dimensions | 176 ft deep x 59 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 108 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 504 SANDY CAY DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8267 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CC |
| Legal Description | LOT 20 BLK A PARADISE RETREAT PB 15-72 OR 2620-4904 OR 2708- 3028 OR 2708-3025 OR 2816-292 OR 3010-1071 OR 3204-2511 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | A |
| Legal Lot Number | 20 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 950608 |
Source: Walton County records, as of June 5, 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 Record |
|---|---|
| Mailing Address | 18743 CYPRESS CHURCH RD, CYPRESS, TX 77433-1431 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Jun 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2021 · Amount on Record |
| Deed Sale | Jun 25, 2021 · Amount on Record |
| Prior Sale | May 20, 2016 · Amount on Record |
| Deed Document Number | 202132251 |
| Deed Book / Page | 3204 / 2511 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 19, 2026 |
| Property Address | 504 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8267 |
| Document Number | 0033984769 |
| Book / Page | 3398 / 4769 |
| Instrument Date | May 14, 2026 |
| Instrument | 202620540 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Address | 504 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8267 |
| Document Number | 0000020540, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 3398/4769 |
| Instrument | 202620540 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 25, 2021 |
| Property Address | 504 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8267 |
| Document Number | 0032042511 |
| Book / Page | 3204 / 2511 |
| Map Reference | MB 15 PG 72 |
| Instrument Date | Jun 24, 2021 |
| Instrument | 20210032251 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2021 |
| Title Company | VINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,285.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2969 DOWNING ST, 2969, JACKSONVILLE, FL 32205-7571 |
| Name | Verified Name |
|---|---|
| Address | 18743 CYPRESS CHURCH RD, CYPRESS, TX 77433-1431 |
| Document Number | 32042513 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 3204/2513 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
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 | $6,347.00 (-1.95%) | $702,460 (-3.69%) Land $162,500 Building $539,960 | $702,460 (-3.69%) Land $162,500 Building $539,960 |
| 2024 | $6,473.00 (-2.16%) | ||
| 2023 | $6,616.00 (+8.02%) | $729,407 (+10.35%) Land $53,754 Building $675,653 | $729,407 (+10.35%) Land $53,754 Building $675,653 |
| 2022 | $6,125.00 | $661,024 Land $59,667 Building $601,357 | $661,024 Land $59,667 Building $601,357 |
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 |
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 | 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.
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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