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  6. 548 Sandy Cay Dr

548 Sandy Cay Dr, Unit 407, Miramar Beach, FL 32550 Property Records

Walton County property record for 548 Sandy Cay Dr, Unit 407, Miramar Beach, FL 32550

Property Summary

Property TypeCondominium
OwnerIndividual Name on File
Last Sale$570,000 (Dec 2023)
Tax Bill$3,310 (2024)
Deeds & MortgagesDec 2023 Sale
Aug 2022 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN30-2S-21-42150-000-0407

Property Details

APN / Parcel Number

Primary APN30-2S-21-42150-000-0407
Alternative APN
  • 1067075

Location & Zoning

Account Number1067075
Street Address548 SANDY CAY DR UNIT 407, 407
CityMIRAMAR BEACH
StateFL
Zip32550-8282
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionUNIT 407 THE BEACH RESORT & A FRACTIONAL INTEREST IN ALL COMMON AREAS & APPURTENANT LIMITED COMMON ELEMENTS AS DESC IN OR
Legal Range21W
Legal Township02S
Legal Section30
Legal SubdivisionBEACH RESORT THE
Legal Unit407
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2014
Census Tract950608

Owner

548 Sandy Cay Dr, Unit 407 is owned by an individual who bought it in December 2023.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address7450 ROCKY FORK ALMAVILLE RD, SMYRNA, TN 37167-6045
Owner TypeIndividual

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

DateDocument
Dec 4, 2023Warranty Deed, Transfer
NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW
Aug 30, 2022Deed of Trust, Mortgage · Line of Credit
ADVIA CU
Sep 12, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Dec 14, 2020Warranty Deed, Transfer · Conventional Mortgage
CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 4, 2023 · Amount on File
Deed SaleDec 4, 2023 · Amount on File
Prior SaleSep 12, 2022
Deed Document Number0033092719
Deed Book / Page3309 / 2719
Record UpdatedJun 8, 2026

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateDec 4, 2023
Property Address548 SANDY CAY DR UNIT 407, 407, MIRAMAR BEACH, FL 32550-8282
Document Number0033092719
Book / Page3309 / 2719
Map ReferenceMB 2716 PG 4531
Instrument DateDec 4, 2023
Instrument20230043360
Transaction TypeTransfer
Record UpdatedJan 1, 2024
Title CompanyNAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

AmountAmount on Record
Tax$3,990.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2107 STROHM AVE, TRENTON, MI 48183-1842

Transferred To (Grantee/Buyer)

NameVerified Name
Address7450 ROCKY FORK ALMAVILLE RD, SMYRNA, TN 37167-6045

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address548 SANDY CAY DR UNIT 407, 407, MIRAMAR BEACH, FL 32550-8282
Transaction TypeMortgage
Record UpdatedSep 12, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0032644712
DateAug 30, 2022
Book Page3264/4712
Instrument20220039198
Lender
NameADVIA CU
TypeCredit Union
AddressKALAMAZOO, MI 49009
Agreement
TypeLine of Credit
AmountAmount on Record
Term240 Months
DueAug 29, 2042
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWALTON FL
Recording DateSep 12, 2022
Property Address548 SANDY CAY DR UNIT 407, 407, MIRAMAR BEACH, FL 32550-8282
Document Number0032661671
Book / Page3266 / 1671
Map ReferenceMB 2716 PG 4531
Instrument DateSep 6, 2022
Instrument20220040873
Transaction TypeTransfer
Record UpdatedOct 4, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2107 STROHM AVE, 2107, TRENTON, MI 48183-1842

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2107 STROHM AVE, TRENTON, MI 48183-1842

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateDec 14, 2020
Property Address548 SANDY CAY DR UNIT 407, 407, MIRAMAR BEACH, FL 32550-8282
Document Number0031732314
Book / Page3173 / 2314
Map ReferenceMB 2716 PG 4531
Instrument DateDec 10, 2020
Instrument20200051430
Transaction TypeTransfer
Record UpdatedAug 2, 2022
Title CompanyAQUA TITLE SERVICES

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,415.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1101 LOWER MILL RD, 1101, HIXSON, TN 37343-2908

Transferred To (Grantee/Buyer)

NameVerified Name
Address1708 15TH ST, WYANDOTTE, MI 48192-3614

Mortgage

Document Number0031732316
DateDec 14, 2020
Instrument3173/2316
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 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 (+11.11%)
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 407 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 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 File
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

The area around 548 Sandy Cay Dr, Unit 407 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 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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