Walton County property record for 548 Sandy Cay Dr, Unit 507, Miramar Beach, FL 32550
| Property Type | Condominium |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $185,000 (Sep 2010) |
| Tax Bill | $3,487 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42150-000-0507 |
| Primary APN | 30-2S-21-42150-000-0507 |
|---|---|
| Alternative APNs |
|
| Units | 64 Units |
|---|
| Architectural Style | Condo/Apartment |
|---|
| Street Address | 548 SANDY CAY DR, 507 |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8284 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 507 THE BEACH RESORT AND A FRACTIONAL INTEREST IN ALL COMMON AREAS AND APPURTENANT LIMITED COMMON ELEMENTS AS DESC IN OR 2716-4531 OR 2718-3615 OR 2842-251 OR 2849-1541 OR 2942-3356 OR 2950-1264 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | THE BEACH |
| Legal Block | 5 |
| Legal Lot Number | 507 |
| Legal Unit | 507 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 950608 |
548 Sandy Cay Dr, Unit 507 is owned by an individual who acquired it in December 2013.
Source: Walton County records, as of January 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2312 CASTLE CREEK DR, MANSFIELD, TX 76063-5326 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2010 · Amount on File |
| Deed Sale | Sep 7, 2010 · Amount on File |
| Prior Sale | May 18, 2010 · Amount on File |
| Deed Document Number | 20101130433 |
| Deed Book / Page | 2849 / 1541 |
| Last Transfer Date | Dec 24, 2013 |
| Transfer Doc | 0029501264 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 548 SANDY CAY DR UNIT 507, 507, MIRAMAR BEACH, FL 32550-8284 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2312 CASTLE CREEK DR, MANSFIELD, TX 76063-5326 |
| Document Number | 0033721526 |
|---|---|
| Date | Sep 29, 2025 |
| Book Page | 3372/1526 |
| Instrument | 20250035078 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 548 SANDY CAY DR UNIT 507, 507, MIRAMAR BEACH, FL 32550-8284 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2312 CASTLE CREEK DR, MANSFIELD, TX 76063-5326 |
| Document Number | 0031570580 |
|---|---|
| Date | Aug 28, 2020 |
| Book Page | 3157/580 |
| Instrument | 20200032907 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2035 |
The 2025 property tax bill for 548 Sandy Cay Dr, Unit 507 was $3,487, up 3.6% from the year before.
Source: Walton County assessment roll, as of December 3, 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 | $3,487.00 (+3.63%) | $415,157 Building $415,157 | $415,157 Building $415,157 |
| 2024 | $3,365.00 (+5.06%) | ||
| 2023 | $3,203.00 (+12.9%) | $415,157 (+2%) Building $415,157 | $415,157 (+2%) Building $415,157 |
| 2022 | $2,837.00 | $345,965 Building $345,965 | $345,965 Building $345,965 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 548 Sandy Cay Dr, Unit 507 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 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 File 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.
The area around 548 Sandy Cay Dr, Unit 507 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 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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