Walton County property record for 513 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 (6,758 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $465,000 (Oct 2020) |
| Tax Bill | $6,277 (2025) |
| Deeds & Mortgages | Mar 2026 Sale Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00B-0410 |
| Primary APN | 30-2S-21-42790-00B-0410 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,919 sqft Living Area |
| Gross Area | 2,513 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 | 6,758 sqft (0.155 acres) |
| Lot Dimensions | 110 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 174 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 513 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 41 BLK B PARADISE RETREAT PB 15-72 OR 2608-762 OR 3164-1393 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | B |
| Legal Lot Number | 41 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 950608 |
Source: Walton County records, as of December 3, 2025
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 | 225 WEKIVA CV, DESTIN, FL 32541-4763 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2026 | Warranty Deed, Transfer SHORELINE TITLE LLC |
| Oct 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2020 · Amount on Record |
| Deed Sale | Oct 15, 2020 · Amount on Record |
| Prior Sale | May 5, 2004 · Amount on Record |
| Deed Document Number | 202040997 |
| Deed Book / Page | 3164 / 1393 |
| Prior Transfer Date | Apr 28, 2004 |
| Prior Transfer Doc | 0026080762 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 11, 2026 |
| Property Address | 513 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 0033901322 |
| Book / Page | 3390 / 1322 |
| Map Reference | MB 17 PG 13 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 20260009307 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2026 |
| Title Company | SHORELINE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,925.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 162 NATUREVIEW WAY, FREEPORT, FL 32439-4733 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 513 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Oct 15, 2020 |
| Property Address | 513 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258 |
| Document Number | 0031641393 |
| Book / Page | 3164 / 1393 |
| Map Reference | MB 15 PG 72 |
| Instrument Date | Oct 13, 2020 |
| Instrument | 20200040997 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,255.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 404 KELLY PLANTATION DR UNIT 506, 404, DESTIN, FL 32541-8468 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12019 E TAMARAC ST, WICHITA, KS 67206-2400 |
| Document Number | 0031641395 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 3164/1395 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.5% |
| Index | 1-Year LIBOR |
| Max Rate | 7.5% |
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 | $6,277.00 (+62.07%) | $694,782 (-7.18%) Land $125,000 Building $569,782 | $694,782 (-7.18%) Land $125,000 Building $569,782 |
| 2024 | $3,873.00 (+3.83%) | ||
| 2023 | $3,730.00 (+1.25%) Homeowner's exemption | $748,558 (+10.43%) Land $41,349 Building $707,209 | $748,558 (+10.43%) Land $41,349 Building $707,209 |
| 2022 | $3,684.00 Homeowner's exemption | $677,854 Land $45,898 Building $631,956 | $677,854 Land $45,898 Building $631,956 |
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 |
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.
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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