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

Monroe County property record for 117 W Sandy Cir, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,200 sqft · built 1995
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Nov 2021)
Tax Bill	$5,342 (2024)
Deeds & Mortgages	Jan 2017 Second Mortgage Nov 2021 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00256730-000000`

Property Details

APN / Parcel Number

Primary APN	`00256730-000000`
Alternative APNs	`26662900256730000000` `1328456`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1328456
Street Address	117 W SANDY CIR
City	BIG PINE KEY
State	FL
Zip	33043-3101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 3 LT 8 BIG PINE KEY INC PB5-4 BIG PINE KEY OR422-663 OR992-1177 OR1332-1352 OR1332-1353 OR1763-2493 OR2340-2266/79 OR2527-387/88 OR2541-267 OR2565-559/60 OR2565-561/62 OR2753-321 OR3138-1975
Legal Range	29E
Legal Township	66S
Legal Section	26
Legal Subdivision	BIG PINE KEY INC
Legal Block	3
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2034
Census Tract	971401

Owner

117 W Sandy Cir is owned and occupied by two individuals who bought it in November 2021.

Source: Monroe County records, as of February 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	117 W SANDY CIR, BIG PINE KEY, FL 33043-3101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Jan 19, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP
Nov 22, 2021	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 6, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 6, 2020	Loan Modification, Mortgage · FHA Mortgage FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2021 · Amount on File
Deed Sale	Nov 22, 2021 · Amount on File
Prior Sale	Jul 27, 2015 · Amount on File
Deed Document Number	20212349552
Deed Book / Page	3138 / 1975
Prior Transfer Date	Oct 20, 2011
Prior Transfer Doc	0025410267
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	117 W SANDY CIR, BIG PINE KEY, FL 33043-3101
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028351235
Date	Jan 19, 2017
Book Page	2835/1235
Instrument	2107389

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Funding / Finance Company
Address	BIG PINE KEY, FL 33043

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 22, 2021
Property Address	117 W SANDY CIR, BIG PINE KEY, FL 33043-3101
Document Number	0031381975
Book / Page	3138 / 1975
Map Reference	MB 5 PG 4
Instrument Date	Nov 18, 2021
Instrument	2349552
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	TRUE TITLE FLORIDA KEYS INC, TRUE TITLE OF FL KEYS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 W SANDY CIR, BIG PINE KEY, FL 33043-3101

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	117 W SANDY CIR, BIG PINE KEY, FL 33043-3101

Mortgage

Document Number	0031381977
Date	Nov 22, 2021
Instrument	3138/1977

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	117 W SANDY CIR, BIG PINE KEY, FL 33043-3101
Document Number	0030150686
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 W SANDY CIR BIG PINE KEY FL 330433101, BIG PINE KEY, FL 33043-3101

Mortgage

Document Number	0030150686
Date	Mar 25, 2020
Book Page	003015/000686
Instrument	2261162

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2050

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	117 W SANDY CIR, BIG PINE KEY, FL 33043-3101
Document Number	0030150787
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 W SANDY CIR BIG PINE KEY FL 330433101, BIG PINE KEY, FL 33043-3101

Mortgage

Document Number	0030150787
Date	Mar 25, 2020
Book Page	003015/000787
Instrument	2261190

Lender

Name	FLAGSTAR BK
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2050

Interest

Rate	4%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$422,902 Land $187,425 Building $235,477	$422,902 Land $187,425 Building $235,477
2024	$5,342.00 (+14.24%)
2023	$4,676.00 (+12.48%)	$502,576 (+25.38%) Land $285,600 Building $216,976	$502,576 (+25.38%) Land $285,600 Building $216,976
2022	$4,157.00	$400,835 Land $182,070 Building $218,765	$400,835 Land $182,070 Building $218,765

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 117 W Sandy Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 117 W Sandy Cir is low, with less than a 0.01% annual chance of 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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