Monroe County property record for 260 Sands Rd, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 972 sqft · built 1989 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $550,000 (Apr 2026) |
| Tax Bill | $4,652 (2024) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00300570-000000 |
| Primary APN | 00300570-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 972 sqft Living Area |
| 1st Floor Area | 972 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,500 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Porch | Unfinished Open Porch |
| Porch Area | 323 sqft |
| Cooling System | HVAC |
|---|
| Account Number | 1372668 |
|---|---|
| Street Address | 260 SANDS RD |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-4569 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 2 LT 17 DARIOS SUB PB3-92 BIG PINE KEY OR48-91/92 OR1603-117 OR2653-1482/83 OR2660-1155/57 OR3066-635 OR3178-0037 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 26 |
| Legal Subdivision | DARIOS SUBD |
| Legal Block | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 971401 |
260 Sands Rd is owned and occupied by two individuals who bought it in April 2026.
Source: Monroe County records, as of April 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 260 SANDS RD, BIG PINE KEY, FL 33043-4569 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage COAST TO COAST MORTGAGE |
| Apr 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| Jun 7, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEY |
| Dec 30, 2020 | Warranty Deed, Transfer · VA Mortgage MAGNOLIA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 13, 2026 · Amount on File |
| Deed Sale | Apr 13, 2026 · Amount on File |
| Prior Sale | Jun 7, 2022 · Amount on File |
| Deed Document Number | 20262539174 |
| Deed Book / Page | 3375 / 1225 |
| Prior Transfer Date | Oct 8, 2013 |
| Prior Transfer Doc | 0026601155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 13, 2026 |
| Property Address | 260 SANDS RD, BIG PINE KEY, FL 33043-4569 |
| Document Number | 0002539174 |
| Book / Page | 3375 / 1225 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 2026.2539174 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $388,850.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 260 SANDS RD, BIG PINE KEY, FL 33043-4569 |
| Document Number | 0002539175, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 2026..2539175 |
| Name | COAST TO COAST MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 13, 2026 |
| Property Address | 260 SANDS RD, BIG PINE KEY, FL 33043-4569 |
| Document Number | 0033751225 |
| Book / Page | 3375 / 1225 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 20262539174 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $388,850.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 260 SANDS RD, BIG PINE KEY, FL 33043-4569 |
| Document Number | 0002539175, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 20262539175 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 7, 2022 |
| Property Address | 260 SANDS RD, BIG PINE KEY, FL 33043-4569 |
| Document Number | 0031780037 |
| Book / Page | 3178 / 37 |
| Map Reference | MB 3 PG 92 |
| Instrument Date | May 24, 2022 |
| Instrument | 2378758 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,640.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 260 SANDS RD, 260, SUMMRLND KEY, FL 33043-4569 |
| Name | Verified Name |
|---|---|
| Address | 323 STEEPLE CT, LEXINGTON, SC 29073-7698 |
| Document Number | 0000317839 |
|---|---|
| Date | Jun 7, 2022 |
| Instrument | 3178/39 |
| Name | FIRST STATE BANK OF THE FLORIDA KEY |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 30, 2020 |
| Property Address | 260 SANDS RD, BIG PINE KEY, FL 33043-4569 |
| Document Number | 0030660635 |
| Book / Page | 3066 / 635 |
| Map Reference | MB 3 PG 92 |
| Instrument Date | Dec 29, 2020 |
| Instrument | 2297360 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2021 |
| Title Company | TRUE TITLE FLORIDA KEYS INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2940 WORDSMITH RD, 2940, KISSIMMEE, FL 34746-5680 |
| Name | Verified Name |
|---|---|
| Address | 260 SANDS RD, BIG PINE KEY, FL 33043-4569 |
| Document Number | 3066637 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 3066/637 |
| Name | MAGNOLIA BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $447,123 Land $227,480 Building $219,643 | $447,123 Land $227,480 Building $219,643 | |
| 2024 | $4,652.00 (+8.39%) | ||
| 2023 | $4,292.00 (+58.26%) | $416,644 (+53.28%) Land $214,555 Building $202,089 | $416,644 (+17.53%) Land $214,555 Building $202,089 |
| 2022 | $2,712.00 Homeowner's exemption | $271,814 | $354,491 Land $165,440 Building $189,051 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 260 Sands Rd 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 369 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 369 in force |
| Nearby Flood Claims | 381 (1998–2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 260 Sands Rd 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 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 224 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 |
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