Walton County property record for 548 Sandy Cay Dr, Unit 412, Miramar Beach, FL 32550
| Property Type | Condominium |
|---|---|
| Owner | Individual Name on Record |
| Last Sale | $549,000 (Dec 2022) |
| Tax Bill | $3,310 (2024) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42150-000-0412 |
| Primary APN | 30-2S-21-42150-000-0412 |
|---|---|
| Alternative APN |
|
| Account Number | 1067080 |
|---|---|
| Street Address | 548 SANDY CAY DR UNIT 412, 412 |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8282 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 412 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 | 412 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 950608 |
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 Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4021 MERRYMAN LN, MURFREESBORO, TN 37127-1505 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2022 · Amount on Record |
| Deed Sale | Dec 2, 2022 · Amount on Record |
| Prior Sale | Jun 3, 2015 · Amount on Record |
| Deed Document Number | 0032743136 |
| Deed Book / Page | 3274 / 3136 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 2, 2022 |
| Property Address | 548 SANDY CAY DR UNIT 412, 412, MIRAMAR BEACH, FL 32550-8282 |
| Document Number | 0032743136 |
| Book / Page | 3274 / 3136 |
| Map Reference | MB 2716 PG 4531 |
| Instrument Date | Dec 2, 2022 |
| Instrument | 20220052025 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2022 |
| Title Company | FOUNDATION T&E SERIES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,843.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 355 DRIFTWOOD RD UNIT 12, 12, MIRAMAR BEACH, FL 32550-6871 |
| Name | Verified Name |
|---|---|
| Address | 4021 MERRYMAN LN, MURFREESBORO, TN 37127-1505 |
| Document Number | 0032743138 |
|---|---|
| Date | Dec 2, 2022 |
| Instrument | 3274/3138 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 5, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Jan 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 6.5% |
| Max Rate At Change | 8.5% |
| Index | Other |
| Max Rate | 11.5% |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $362,439 (-) Building $362,439 | $362,439 (-) Building $362,439 | |
| 2024 | $3,310.00 (+0.52%) | ||
| 2023 | $3,293.00 (+24.55%) | $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.
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 Record 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.
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.
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 |
| 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.
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 |
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