191 Sand Pine Cir, Midway, FL 32343 Property Records

Gadsden County property record for 191 Sand Pine Cir, Midway, FL 32343

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,631 sqft · built 2022
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$323,000 (Jul 2022)
Tax Bill	$3,820 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4-06-1N-2W-1538-0000I-0100`

Property Details

APN / Parcel Number

Primary APN	`4-06-1N-2W-1538-0000I-0100`
Alternative APN	`1233860000`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	1,631 sqft Living Area
Gross Area	2,031 sqft
1st Floor Area	1,631 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	191 SAND PINE CIR
City	MIDWAY
State	FL
Zip	32343-4220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 919 P 923; OR 874 P 610 OR
Legal Range	2W
Legal Township	1N
Legal Section	06
Legal Subdivision	RUSTLING PINES
Legal Block	I
Legal Lot Number	10
Jurisdiction	GADSDEN FL
Township / Civil Division	HAVANA
Census Block Group	2
Census Block	2018
Census Tract	20600

Owner

Source: Gadsden County records, as of October 12, 2026

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	191 SAND PINE CIR, MIDWAY, FL 32343-4220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Jul 8, 2022	Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNIVERSITY LENDING GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Deed Document Number	20226597
Deed Book / Page	919 / 923
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GADSDEN FL
Property Address	191 SAND PINE CIR, MIDWAY, FL 32343-4220
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009070197
Date	Dec 8, 2021
Book Page	907/197
Instrument	210010459

Lender

Name	AMERIS BANK
Type	Bank
Address	TALLAHASSEE, FL 32301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Jan 5, 2023

Interest

Rate Type	Adjustable Rate

July 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GADSDEN FL
Recording Date	Jul 8, 2022
Property Address	191 SAND PINE CIR, MIDWAY, FL 32343-4220
Document Number	0009190923
Book / Page	919 / 923
Map Reference	MB 2 PG 110
Instrument Date	Jul 6, 2022
Instrument	220006597
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 19, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,261.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3551 S BLAIR STONE RD # RD105-11, RD105-11, TALLAHASSEE, FL 32301-8826

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 SAND PINE CIR, MIDWAY, FL 32343-4220

Mortgage

Document Number	0000919924
Date	Jul 8, 2022
Instrument	919/924

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Gadsden County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Gadsden County
Municipality	Midway City
Unified School District	Gadsden County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,820.00 (+2.52%) Homeowner's exemption	$245,200 (+2.17%) Land $40,500 Building $204,700	$245,200 (+2.17%) Land $40,500 Building $204,700
2024	$3,726.00 (+6.37%) Homeowner's exemption	$239,999 (+6.38%) Land $37,000 Building $202,999	$239,999 (+6.38%) Land $37,000 Building $202,999
2023	$3,503.00 (+829.18%) Homeowner's exemption	$225,610 (+925.5%) Land $30,000 Building $195,610	$225,610 (+925.5%) Land $30,000 Building $195,610
2022	$377.00	$22,000 Land $22,000	$22,000 Land $22,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 1, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GADSDEN CO REGIONAL W/S public/private · serves 12,322 people · EPA ID FL1200797
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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