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548 Sandy Cay Dr, Unit 406, Miramar Beach, FL 32550 Property Records

Walton County property record for 548 Sandy Cay Dr, Unit 406, Miramar Beach, FL 32550

Property Summary

Property TypeCondominium
Owner2 Individual Names on Record
Last Sale$365,000 (May 2019)
Tax Bill$3,139 (2024)
Deeds & MortgagesMay 2019 Sale & Mortgage
Dec 2017 Sale
Flood ZoneZone X (minimal risk)
APN30-2S-21-42150-000-0406

Property Details

APN / Parcel Number

Primary APN30-2S-21-42150-000-0406
Alternative APN
  • 1067074

Location & Zoning

Account Number1067074
Street Address548 SANDY CAY DR UNIT 406, 406
CityMIRAMAR BEACH
StateFL
Zip32550-8282
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionUNIT 406 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 Unit406
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2014
Census Tract950608

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address18623 WILD ONION, SAN ANTONIO, TX 78258-1653
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 15, 2019Warranty Deed, Transfer · Conventional Mortgage
UNIVERSITY LNDG
Dec 13, 2017Warranty Deed, Transfer
SHORELINE TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 15, 2019 · Amount on Record
Deed SaleMay 15, 2019 · Amount on Record
Prior SaleDec 13, 2017 · Amount on Record
Deed Document Number20190015627
Deed Book / Page3105 / 2690
Record UpdatedJun 8, 2026

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMay 15, 2019
Property Address548 SANDY CAY DR UNIT 406, 406, MIRAMAR BEACH, FL 32550-8282
Document Number0031052690
Book / Page003105 / 002690
Instrument DateMay 10, 2019
Instrument15627
Transaction TypeTransfer
Record UpdatedMay 31, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,555.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address18623 WILD ONION SAN ANTONIO TX 782581653, SAN ANTONIO, TX 78258-1653

Mortgage

Document Number31052692
DateMay 15, 2019
Book Page003105/002692
Instrument15628
Lender
NameUNIVERSITY LNDG
AddressSOUTHFIELD, MI 48034
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 14, 2034

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateDec 13, 2017
Property Address548 SANDY CAY DR UNIT 406, 406, MIRAMAR BEACH, FL 32550-8282
Document Number0030594139
Book / Page003059 / 004139
Instrument DateDec 12, 2017
Instrument40785
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanySHORELINE TITLE LLC

Transaction

AmountAmount Recorded
Tax$2,030.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address155 HIGHWAY 448 INDIANOLA MS 387512743, INDIANOLA, MS 38751-2743

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$3,139.00 (+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

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

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