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

Monroe County property record for 322 W Sandy Cir, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,128 sqft · built 1995
Lot Size	0.224 acres (9,788 sqft)
Owner	Individual Name on File
Last Sale	$459,000 (Apr 2021)
Tax Bill	$858 (2024)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00250591-005000`

Property Details

APN / Parcel Number

Primary APN	`00250591-005000`
Alternative APN	`1320722`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,128 sqft Living Area
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,788 sqft (0.224 acres)
Porch	Open Porch
Porch Area	140 sqft
Fence	Fence

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1320722
Street Address	322 W SANDY CIR
City	BIG PINE KEY
State	FL
Zip	33043-3130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2 N 1/2 LT 27 AND ALL LT 28 TROPICAL KEY COLONY P0B6-99 BIG PINE KEY OR576-595 OR955-235/36 OR1049-922 OR1087-949
Legal Subdivision	TROPICAL KEY COLONY
Legal Block	2
Legal Lot Number	27-28
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2026
Census Tract	971401

Owner

Source: Monroe County records, as of December 5, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	322 W SANDY CIR, BIG PINE KEY, FL 33043-3130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2021 · Amount on File
Deed Sale	Apr 22, 2021 · Amount on File
Prior Sale	Feb 3, 2016 · Amount on File
Deed Document Number	2315477
Deed Book / Page	3091 / 1156
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 22, 2021
Property Address	322 W SANDY CIR, BIG PINE KEY, FL 33043-3130
Document Number	0030911156
Book / Page	3091 / 1156
Map Reference	MB 6 PG 99
Instrument Date	Mar 19, 2021
Instrument	2315477
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,213.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 593, ROAN MOUNTAIN, TN 37687-0593

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 W SANDY CIR, BIG PINE KEY, FL 33043-3130
Investor	Possibly a Property Investor

Mortgage

Document Number	0030911158
Date	Apr 22, 2021
Instrument	3091/1158

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

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		$501,950 (+5.99%)	$598,915 (+1.99%) Land $419,862 Building $179,053
2024	$858.00 (-80.6%)
2023	$4,423.00 (+2.69%) Homeowner's exemption	$473,597 (+3%)	$587,217 (+27.71%) Land $419,862 Building $167,355
2022	$4,307.00 Homeowner's exemption	$459,803 Land $290,087 Building $169,716	$459,803 Land $290,087 Building $169,716

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 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

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