1. Home
  2. Florida
  3. Walton County
  4. Miramar Beach
  5. Sandy Cay Dr
  6. 548 Sandy Cay Dr

548 Sandy Cay Dr, Unit 405, Miramar Beach, FL 32550 Property Records

Walton County property record for 548 Sandy Cay Dr, Unit 405, Miramar Beach, FL 32550

Property Summary

Property TypeCondominium
OwnerCompany Name on Record
Last Sale$351,900 (Mar 2021)
Tax Bill$3,310 (2024)
Deeds & MortgagesFeb 2026 Transfer
Mar 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN30-2S-21-42150-000-0405

Property Details

APN / Parcel Number

Primary APN30-2S-21-42150-000-0405
Alternative APN
  • 1067073

Location & Zoning

Account Number1067073
Street Address548 SANDY CAY DR UNIT 405, 405
CityMIRAMAR BEACH
StateFL
Zip32550-8281
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionUNIT 405 THE BEACH RESORT & A FRACTIONAL INT IN ALL COMMON AREAS & APPURTENANT LIMITED COMMON ELEMENTS AS DESC IN OR
Legal Range21W
Legal Township02S
Legal Section30
Legal SubdivisionBEACH RESORT THE
Legal Unit405
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2014
Census Tract950608

Owner

Source: Walton County records, as of February 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address113 SUMMERHILL WAY, WINCHESTER, KY 40391-7134
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Feb 2, 2026Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION
Mar 1, 2021Warranty Deed, Transfer · Conventional Mortgage
ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 1, 2021 · Amount on Record
Deed SaleMar 1, 2021 · Amount on Record
Prior SaleMar 1, 2021 · Amount on Record
Deed Document Number0031852125
Deed Book / Page3185 / 2125
Last Transfer DateFeb 2, 2026
Transfer Doc0033854615
Record UpdatedJun 8, 2026

February 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWALTON FL
Recording DateFeb 2, 2026
Property Address548 SANDY CAY DR UNIT 405, 405, MIRAMAR BEACH, FL 32550-8281
Document Number0033854615
Book / Page3385 / 4615
Map ReferenceMB 2716 PG 4531
Instrument DateJan 27, 2026
Instrument20260003827
Transaction TypeTransfer
Record UpdatedFeb 11, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address113 SUMMERHILL WAY, WINCHESTER, KY 40391-7134

Transferred To (Grantee/Buyer)

NameVerified Name
Address113 SUMMERHILL WAY, WINCHESTER, KY 40391-7134

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMar 1, 2021
Property Address548 SANDY CAY DR UNIT 405, 405, MIRAMAR BEACH, FL 32550-8281
Document Number0031852125
Book / Page3185 / 2125
Map ReferenceMB 2716 PG 4531
Instrument DateFeb 22, 2021
Instrument20210009670
Transaction TypeTransfer
Record UpdatedAug 2, 2022
Title CompanyAQUA TITLE SERVICES

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,463.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address534 INVERNESS WAY, 534, ALEXANDRIA, KY 41001-1474

Transferred To (Grantee/Buyer)

NameVerified Name
Address113 SUMMERHILL WAY, WINCHESTER, KY 40391-7134

Mortgage

Document Number0031852127
DateMar 1, 2021
Instrument3185/2127
Lender
NameARK-LA-TEX FINANCIAL SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2051

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$362,439 (-) Building $362,439$362,439 (-) Building $362,439
2024$3,310.00 (+5.18%)
2023$3,147.00 (+12.43%)$362,439 (+2%) Building $362,439$362,439 (+2%) Building $362,439
2022$2,799.00$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

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone VE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 203 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies706 units insured
incl. 503 condo units
Nearby Flood Claims3 (2014–2020)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemSOUTH WALTON UTILITY COMPANY
private · serves 26,668 people · EPA ID FL1660615
Water SourceGroundwater
Last State InspectionFeb 2026
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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

Nearby Properties on Sandy Cay Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures