109 W Sandy Cir, Big Pine Key, FL 33043 Property Records

Monroe County property record for 109 W Sandy Cir, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,281 sqft · built 1970
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on Record
Last Sale	$565,000 (Sep 2024)
Tax Bill	$4,995 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00256720-000000`

Property Details

APN / Parcel Number

Primary APN	`00256720-000000`
Alternative APNs	`26662900256720000000` `1328448`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,281 sqft Living Area
1st Floor Area	1,281 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2007
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	160 sqft
Patio Area	360 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1328448
Old Parcel Number	26662900256720000000
Street Address	109 W SANDY CIR
City	BIG PINE KEY
State	FL
Zip	33043-3101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 LOTS 6 AND 7 BIG PINE KEY INC PB5-4 BIG PINE KEY OR444-445 OR707-844 OR805-726 OR1218-733F/J OR1220-1996
Legal Range	29E
Legal Township	66S
Legal Section	26
Legal Subdivision	BIG PINE KEY INC
Legal Block	3
Legal Lot Number	6-7 7
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2034
Census Tract	971401

Owner

Source: Monroe County records, as of December 5, 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
Mailing Address	109 W SANDY CIR, BIG PINE KEY, FL 33043-3101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 12, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 31, 2018	Warranty Deed, Transfer · FHA Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2024 · Amount on Record
Deed Sale	Sep 10, 2024 · Amount on Record
Prior Sale	Dec 31, 2018 · Amount on Record
Deed Document Number	2474085
Deed Book / Page	3291 / 2400
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	109 W SANDY CIR, BIG PINE KEY, FL 33043-3101
Transaction Type	Mortgage
Record Updated	Jan 26, 2023
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 W SANDY CIR, BIG PINE KEY, FL 33043-3101

Mortgage

Document Number	0030761368
Date	Feb 19, 2021
Book Page	3076/1368
Instrument	2304742

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	May 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	109 W SANDY CIR, BIG PINE KEY, FL 33043-3101
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030130701
Date	Mar 12, 2020
Book Page	3013/701
Instrument	2259613

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 31, 2018
Property Address	109 W SANDY CIR, BIG PINE KEY, FL 33043-3101
Document Number	0029421865
Book / Page	2942 / 1865
Map Reference	MB 5 PG 4
Instrument Date	Dec 24, 2018
Instrument	2200170
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1149, GREEN RIVER, WY 82935-1149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 W SANDY CIR, BIG PINE KEY, FL 33043-3101

Mortgage

Document Number	0002200171
Date	Dec 31, 2018
Instrument	2200171

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$462,365 (-10.07%) Land $239,190 Building $223,175	$462,365 (-10.07%) Land $239,190 Building $223,175
2024	$4,995.00 (+14.72%)
2023	$4,354.00 (+11.96%)	$514,150 (+25.2%) Land $332,010 Building $182,140	$514,150 (+25.2%) Land $332,010 Building $182,140
2022	$3,889.00	$410,660 Land $219,555 Building $191,105	$410,660 Land $219,555 Building $191,105

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 September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 690 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	690 in force
Nearby Flood Claims	982 (1980–2022)
Claims Outside the SFHA	2 of 982
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 418 claims Hurricane Wilma, Oct 2005 · 219 claims Hurricane Georges, Sep 1998 · 315 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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