Walton County property record for 548 Sandy Cay Dr, Unit 305, Miramar Beach, FL 32550
| Property Type | Condominium |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $300,000 (Jan 2019) |
| Tax Bill | $3,139 (2024) |
| Deeds & Mortgages | Jun 2020 Mortgage Jan 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42150-000-0305 |
| Primary APN | 30-2S-21-42150-000-0305 |
|---|---|
| Alternative APN |
|
| Account Number | 1067057 |
|---|---|
| Street Address | 548 SANDY CAY DR UNIT 305, 305 |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8279 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 305 THE BEACH RESORT & A FRACTIONAL INTEREST IN ALL COMMON AREAS & APPURTENANT LIMITED COMMON ELEMENTS AS DESC IN OR |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | BEACH RESORT THE |
| Legal Unit | 305 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 950608 |
548 Sandy Cay Dr, Unit 305 is owned by an individual who bought it in January 2019.
Source: Walton County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 14225 NATURES RESERVE DR, LITHIA, FL 33547-4340 |
| 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.
| Date | Document |
|---|---|
| Jun 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Jan 8, 2019 | Warranty Deed, Transfer · Conventional Mortgage GMH MORTGAGE SERVICES LLC |
| Mar 3, 2017 | Warranty Deed, Transfer · Conventional Mortgage BANCORPSOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2019 · Amount on File |
| Deed Sale | Jan 8, 2019 · Amount on File |
| Prior Sale | Mar 3, 2017 · Amount on File |
| Deed Document Number | 20190000662 |
| Deed Book / Page | 3094 / 2568 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 548 SANDY CAY DR UNIT 305, 305, MIRAMAR BEACH, FL 32550-8279 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST SOURCE TITLE AGCY INC |
| Name | Verified Name |
|---|
| Document Number | 0031463875 |
|---|---|
| Date | Jun 18, 2020 |
| Book Page | 3146/3875 |
| Instrument | 20200020852 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jan 8, 2019 |
| Property Address | 548 SANDY CAY DR UNIT 305, 305, MIRAMAR BEACH, FL 32550-8279 |
| Document Number | 0030942568 |
| Book / Page | 3094 / 2568 |
| Map Reference | MB 2716 PG 4531 |
| Instrument Date | Jan 3, 2019 |
| Instrument | 20190000662 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 47 MIRABEL CT, 47, LITTLE ROCK, AR 72223-3204 |
| Name | Verified Name |
|---|---|
| Address | 14225 NATURES RESERVE DR, LITHIA, FL 33547-4340 |
| Document Number | 20190000663 |
|---|---|
| Date | Jan 8, 2019 |
| Instrument | 20190000663 |
| Name | GMH MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 3, 2017 |
| Property Address | 548 SANDY CAY DR UNIT 305, 305, MIRAMAR BEACH, FL 32550-8279 |
| Document Number | 0030343918 |
| Book / Page | 003034 / 003918 |
| Instrument Date | Feb 28, 2017 |
| Instrument | 6571 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2017 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 50 AVIGNON CT LITTLE ROCK AR 722239104, LITTLE ROCK, AR 72223-9104 |
| Document Number | 30343920 |
|---|---|
| Date | Mar 3, 2017 |
| Book Page | 003034/003920 |
| Instrument | 6572 |
| Name | BANCORPSOUTH |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803-4360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 2, 2042 |
Source: Walton County assessment roll, as of July 1, 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 | $362,439 Building $362,439 | $362,439 Building $362,439 | |
| 2024 | $3,139.00 (+5.37%) | ||
| 2023 | $2,979.00 (+12.67%) | $362,439 (+2%) Building $362,439 | $362,439 (+2%) Building $362,439 |
| 2022 | $2,644.00 | $302,033 Building $302,033 | $302,033 Building $302,033 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 548 Sandy Cay Dr, Unit 305 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| 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 |
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.
The area around 548 Sandy Cay Dr, Unit 305 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.
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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