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  6. 548 Sandy Cay Dr

548 Sandy Cay Dr, Unit 512, Miramar Beach, FL 32550 Property Records

Walton County property record for 548 Sandy Cay Dr, Unit 512, Miramar Beach, FL 32550

Property Summary

Property TypeCondominium
Lot Size0.008 acres (352 sqft)
OwnerCompany Name on File
Last Sale$360,000 (Jan 2020)
Tax Bill$3,487 (2025)
Deeds & MortgagesMar 2022 Transfer
Jan 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN30-2S-21-42150-000-0512

Property Details

APN / Parcel Number

Primary APN30-2S-21-42150-000-0512
Alternative APNs
  • 30-221-42150-000-0512
  • 1067096

Interior

Units64 Units

Exterior

Architectural StyleCondo/Apartment
Lot Area352 sqft (0.008 acres)

Location & Zoning

Street Address548 SANDY CAY DR, 512
CityMIRAMAR BEACH
StateFL
Zip32550-8285
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeCC
Legal DescriptionUNIT 512 THE BEACH RESORT AND A FRACTIONAL INTEREST IN ALL COMMON AREAS AND APPURTENANT LIMITED COMMON ELEMENTS AS DESC IN OR 2716 PG 4531. OR 2722-4503 OR 2884-3597 OR 2928-2585 OR 3129-1838
Legal Range021
Legal Township02S
Legal Section30
Legal SubdivisionTHE BEACH
Legal Block5
Legal Lot Number512
Legal Unit512
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2014
Census Tract950608

Owner

548 Sandy Cay Dr, Unit 512 is owned by a company that acquired it in March 2022.

Source: Walton County records, as of December 3, 2025

Owner of RecordCompany Name on File
Mailing Address2865 TYNEWICK DR NE, ROSWELL, GA 30075-5465
Owner TypeCompany
VestingLife Tenant

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
Mar 29, 2022Intrafamily Transfer, Transfer
ATTORNEY
Jan 6, 2020Warranty Deed, Transfer · Conventional Mortgage
TRUSTMARK NATIONAL BANK
Nov 29, 2017Deed of Trust, Mortgage · Conventional Mortgage
F&M BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 6, 2020 · Amount on File
Deed SaleJan 6, 2020 · Amount on File
Prior SaleFeb 28, 2012 · Amount on File
Deed Document Number2020418
Deed Book / Page3129 / 1838
Last Transfer DateMar 28, 2022
Transfer Doc0032451796
Record UpdatedSep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWALTON FL
Recording DateMar 29, 2022
Property Address548 SANDY CAY DR UNIT 512, 512, MIRAMAR BEACH, FL 32550-8285
Document Number0032451796
Book / Page3245 / 1796
Map ReferenceMB 2716 PG 4531
Instrument DateMar 28, 2022
Instrument20220014715
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address2865 TYNEWICK DR NE, ROSWELL, GA 30075-5465

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateJan 6, 2020
Property Address548 SANDY CAY DR UNIT 512, 512, MIRAMAR BEACH, FL 32550-8285
Document Number0031291838
Book / Page3129 / 1838
Map ReferenceMB 2716 PG 4531
Instrument DateJan 2, 2020
Instrument20200000418
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyMCGILL ESCROW & TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,520.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address70654 648 BLVD, 70654, FALLS CITY, NE 68355-2574

Transferred To (Grantee/Buyer)

NameVerified Name
Address2865 TYNEWICK DR NE, ROSWELL, GA 30075-5465

Mortgage

Document Number31291841
DateJan 6, 2020
Instrument3129/1841
Lender
NameTRUSTMARK NATIONAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2050
Interest
Rate TypeAdjustable Rate
Rate4%
Type Change DateFeb 1, 2027
Change FrequencyAnnually
Min Rate At Change3%
Max Rate At Change9%
Index1-Year LIBOR
Margin3
Max Rate9%

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address548 SANDY CAY DR UNIT 512, 512, MIRAMAR BEACH, FL 32550-8285
Document Number0030584707
Instrument DateNov 29, 2017
Transaction TypeMortgage
Record UpdatedAug 29, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address70654 648 BLVD FALLS CITY NE 683552574, FALLS CITY, NE 68355-2574

Mortgage

Document Number0030584707
DateDec 4, 2017
Book Page003058/004707
Instrument39625
Lender
NameF&M BK
TypeBank
AddressFALLS CITY, NE 68355
Agreement
TypeConventional Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 548 Sandy Cay Dr, Unit 512 was $3,487, up 3.6% from the year before.

Source: Walton County assessment roll, as of December 3, 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$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.

Flood

FEMA maps place 548 Sandy Cay Dr, Unit 512 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 512 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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