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

Walton County property record for 529 Sandy Cay Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,869 sqft · built 2004
Lot Size	0.155 acres (6,760 sqft)
Owner	Individual Name on File
Last Sale	$221,100 (Sep 2010)
Tax Bill	$1,740 (2024)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42790-00B-0420`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42790-00B-0420`
Alternative APN	`1068531`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,869 sqft Living Area
Gross Area	2,451 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	6,760 sqft (0.155 acres)
Lot Dimensions	11 ft deep x 8 ft wide
Garage Type	Finished
Garage Area	420 sqft
Porch	Porch
Porch Area	162 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1068531
Street Address	529 SANDY CAY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 42 BLK B PARADISE RETREAT PB 15-72 OR 2603-2732 OR 2671- 4329 OR 2841-3081 OR 2850-53
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	PARADISE RETREAT
Legal Block	B
Legal Lot Number	42
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2012
Census Tract	950608

Owner

529 Sandy Cay Dr is owned and occupied by an individual who bought it in September 2010.

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

Owner of Record	Individual Name on File
Mailing Address	529 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2010 · Amount on File
Deed Sale	Sep 20, 2010 · Amount on File
Prior Sale	May 11, 2010 · Amount on File
Deed Document Number	1131633
Deed Book / Page	2850 / 0053
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	529 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8258
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031402019
Date	Apr 21, 2020
Book Page	3140/2019
Instrument	20200013760

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2030

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		$657,820 Land $125,000 Building $532,820	$657,820 Land $125,000 Building $532,820
2024	$1,740.00 (+4.32%)
2023	$1,668.00 (+1.65%) Homeowner's exemption	$711,504 (+11.13%) Land $41,349 Building $670,155	$711,504 (+11.13%) Land $41,349 Building $670,155
2022	$1,641.00 Homeowner's exemption	$640,267 Land $45,898 Building $594,369	$640,267 Land $45,898 Building $594,369

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

Flood

FEMA maps place 529 Sandy Cay Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2014.

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 File 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

The area around 529 Sandy Cay Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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