7 Sandy Dunes Cir, Miramar Beach, FL 32550 Property Records

Walton County property record for 7 Sandy Dunes Cir, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	6 bd · 6.5 ba · 3,456 sqft · built 2017
Lot Size	0.115 acres (5,015 sqft)
Owner	Company Name on Record
Last Sale	$1,900,000 (Mar 2026)
Tax Bill	$15,722 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jun 2022 Transfer + 3 more
Flood Zone	Zone X (moderate risk)
APN	`34-2S-21-42750-000-0010`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42750-000-0010`
Alternative APNs	`34-221-42750-000-0010` `1077376`

Interior

Bedrooms	6 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,456 sqft Living Area
Gross Area	4,038 sqft
1st Floor Area	1,152 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Elevator	Elevator

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	5,015 sqft (0.115 acres)
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	582 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7 SANDY DUNES CIR
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 1 EMERALD DUNES S/D PB 11-43 OR 1716-342 OR 2388-1265 OR 3030-3436 OR 3079-2406 OR 3257-3113
Legal Range	021
Legal Township	02S
Legal Section	34
Legal Subdivision	EMERALD DUNES
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

Source: Walton County records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	5042 SILVER SADDLE CT, DUBLIN, OH 43016-7068
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 24, 2022	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 24, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jul 16, 2018	Warranty Deed, Transfer EMERALD COAST TITLE SERVICES INC
Jan 10, 2017	Quit Claim Deed, Transfer MCNEESE TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2026 · Amount on Record
Deed Sale	Mar 25, 2026 · Amount on Record
Prior Sale	Jul 16, 2018 · Amount on Record
Deed Document Number	202611384
Deed Book / Page	3392 / 126
Prior Transfer Date	Jun 23, 2022
Prior Transfer Doc	0032573113
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 25, 2026
Property Address	7 SANDY DUNES CIR, MIRAMAR BEACH, FL 32550
Document Number	0033920126
Book / Page	3392 / 126
Map Reference	MB 11 PG 43&43
Instrument Date	Mar 23, 2026
Instrument	20260011384
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	MCGILL ESCROW & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 TYLER DR, SANTA ROSA BEACH, FL 32459-3581

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5042 SILVER SADDLE CT, DUBLIN, OH 43016-7068

Mortgage

Document Number	0033920128
Date	Mar 25, 2026
Book Page	3392/128
Instrument	20260011386

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	6.62%
Max Rate At Change	8.62%
Index	SOFR Average 30-Day
Max Rate	11.6%

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jun 24, 2022
Property Address	7 SANDY DUNES CIR, MIRAMAR BEACH, FL 32550
Document Number	0032573113
Book / Page	3257 / 3113
Map Reference	MB 11 PG 43
Instrument Date	Jun 23, 2022
Instrument	20220029646
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 WEATHER LDG, COTO DE CAZA, CA 92679-5202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1513 ISLAND GREEN DR, MIRAMAR BEACH, FL 32550-5878

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	7 SANDY DUNES CIR, MIRAMAR BEACH, FL 32550
Document Number	0031404879
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	618 GULF SHORE DR DESTIN FL 325413128, DESTIN, FL 32541-3128

Mortgage

Document Number	0031404879
Date	Apr 27, 2020
Book Page	003140/004879
Instrument	14370

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 N TRYON ST, CHARLOTTE, NC 28246-0100

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 16, 2018
Property Address	7 SANDY DUNES CIR, MIRAMAR BEACH, FL 32550
Document Number	0030792406
Book / Page	003079 / 002406
Instrument Date	Jul 13, 2018
Instrument	23625
Transaction Type	Transfer
Record Updated	Jul 31, 2018
Title Company	EMERALD COAST TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$9,800.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 WEATHER LEDGE COTO DE CAZA CA 92679, COTO DE CAZA, CA 92679

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jan 10, 2017
Property Address	7 SANDY DUNES CIR, MIRAMAR BEACH, FL 32550
Document Number	0030303436
Book / Page	003030 / 003436
Instrument Date	Jan 9, 2017
Instrument	859
Transaction Type	Transfer
Record Updated	Feb 21, 2017
Title Company	MCNEESE TITLE LLC

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8520 BUSINESS PARK DR SHREVEPORT LA 711055654, SHREVEPORT, LA 71105-5654

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,722.00 (+2.02%)	$1,740,054 (+16.79%) Land $575,000 Building $1,165,054	$1,740,054 (+16.79%) Land $575,000 Building $1,165,054
2024	$15,411.00 (+13.84%)
2023	$13,538.00 (+11.89%)	$1,489,945 (+3.96%) Land $519,350 Building $970,595	$1,489,945 (+3.96%) Land $519,350 Building $970,595
2022	$12,099.00	$1,433,129 Land $576,478 Building $856,651	$1,433,129 Land $576,478 Building $856,651

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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 750 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4,168 units insured incl. 3,418 condo units
Nearby Flood Claims	64 (1995–2024)
Claims Outside the SFHA	45 of 64
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 29 claims Hurricane Frances, Sep 2004 · 10 claims

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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 241 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 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, Wildstar Networks.

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