548 Sandy Cay Dr, Unit 308, Miramar Beach, FL 32550 Property Records

Walton County property record for 548 Sandy Cay Dr, Unit 308, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Owner	Individual Name on File
Last Sale	$325,000 (Nov 2020)
Tax Bill	$3,139 (2024)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42150-000-0308`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42150-000-0308`
Alternative APN	`1067060`

Location & Zoning

Account Number	1067060
Street Address	548 SANDY CAY DR UNIT 308, 308
City	MIRAMAR BEACH
State	FL
Zip	32550-8279
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 308 THE BEACH RESORT AND A FRACTIONAL INTEREST IN ALL COMMON AREAS AND APPURTENANT LIMITED COMMON ELEMENTS AS DESC IN OR
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	BEACH RESORT THE
Legal Unit	308
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2014
Census Tract	950608

Owner

548 Sandy Cay Dr, Unit 308 is owned by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	604 HOUNDS RUN, LA VERGNE, TN 37086-3813
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	2 Names on Deed
Last Sale	Nov 23, 2020 · Amount on File
Deed Sale	Nov 23, 2020 · Amount on File
Prior Sale	Sep 4, 2012 · Amount on File
Deed Document Number	20200048090
Deed Book / Page	3170 / 1914
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 23, 2020
Property Address	548 SANDY CAY DR UNIT 308, 308, MIRAMAR BEACH, FL 32550-8279
Document Number	0031701914
Book / Page	3170 / 1914
Map Reference	MB 2716 PG 4531
Instrument Date	Nov 20, 2020
Instrument	20200048090
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6503 CHESWICK RD N, 6503, HIXSON, TN 37343-2556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 HOUNDS RUN, LA VERGNE, TN 37086-3813

Mortgage

Document Number	0031701916
Date	Nov 23, 2020
Instrument	3170/1916

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

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		$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.

Flood

FEMA maps place 548 Sandy Cay Dr, Unit 308 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.

Wildfire

The area around 548 Sandy Cay Dr, Unit 308 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