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  6. 548 Sandy Cay Dr

548 Sandy Cay Dr, Unit 409, Miramar Beach, FL 32550 Property Records

Walton County property record for 548 Sandy Cay Dr, Unit 409, Miramar Beach, FL 32550

Property Summary

Property TypeCondominium
OwnerIndividual Name on Record
Last Sale$250,000 (Dec 2009)
Tax Bill$3,139 (2024)
Deeds & MortgagesFeb 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN30-2S-21-42150-000-0409

Property Details

APN / Parcel Number

Primary APN30-2S-21-42150-000-0409
Alternative APN
  • 1067077

Location & Zoning

Account Number1067077
Street Address548 SANDY CAY DR UNIT 409, 409
CityMIRAMAR BEACH
StateFL
Zip32550-8282
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionUNIT 409 THE BEACH RESORT AND A FRACTIONAL INTEREST IN ALL COMMON AREAS AND APPURTENANT LIMITED COMMON ELEMENTS AS DESC IN OR
Legal Range21W
Legal Township02S
Legal Section30
Legal SubdivisionBEACH RESORT THE
Legal Unit409
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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address6143 HODGES ST, WISE, VA 24293-4401
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 18, 2009 · Amount on Record
Deed SaleDec 18, 2009 · Amount on Record
Prior SaleDec 18, 2009 · Amount on Record
Deed Document Number0028320146
Last Transfer DateFeb 1, 2021
Transfer Doc0031810464
Record UpdatedJun 8, 2026

February 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWALTON FL
Recording DateFeb 1, 2021
Property Address548 SANDY CAY DR UNIT 409, 409, MIRAMAR BEACH, FL 32550-8282
Document Number0031810464
Book / Page3181 / 464
Map ReferenceMB 2716 PG 4531
Instrument DateDec 29, 2020
Instrument20210004741
Transaction TypeTransfer
Record UpdatedAug 2, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address5830 STONE CREEK RD, 5830, BIG STONE GAP, VA 24219-4294

Transferred To (Grantee/Buyer)

NameVerified Name
Address6143 HODGES ST, WISE, VA 24293-4401

Mortgage

Document Number0003181468
DateFeb 1, 2021
Instrument3181/468
Lender
NameTHE FIRST BANK & TRUST CO
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 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$3,139.00 (+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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