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

Monroe County property record for 353 W Sandy Cir, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,593 sqft · built 1976
Lot Size	0.61 acres (26,600 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Jul 2014)
Tax Bill	$4,289 (2024)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00257780-000000`

Property Details

APN / Parcel Number

Primary APN	`00257780-000000`
Alternative APNs	`26662900257780000000` `1329487`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,593 sqft Living Area
1st Floor Area	1,593 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2012
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Gable
Roof Material	Metal
Lot Area	26,600 sqft (0.61 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	576 sqft
Porch	Open Porch
Porch Area	936 sqft
Deck Area	1,036 sqft
Patio Area	2,161 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1329487
Old Parcel Number	26662900257780000000
Street Address	353 W SANDY CIR
City	BIG PINE KEY
State	FL
Zip	33043-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 7 LT 4 LESS SLY 10 FT AND ALL OF LTS 5 -6- 7 BIG PINE INC PB5-4 BIG PINE KEY OR369-578 PROB77- 159-CP-23 OR494-1036
Legal Range	29E
Legal Township	66S
Legal Section	26
Legal Subdivision	BIG PINE KEY INC
Legal Block	7
Legal Lot Number	4-6 6
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2034
Census Tract	971401

Owner

353 W Sandy Cir is owned and occupied by an individual who bought it in July 2014.

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	353 W SANDY CIR, BIG PINE KEY, FL 33043-3102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2014 · Amount on File
Deed Sale	Jul 2, 2014 · Amount on File
Deed Document Number	1988546
Deed Book / Page	2692 / 0868
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	353 W SANDY CIR, BIG PINE KEY, FL 33043-3102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	353 W SANDY CIR, BIG PINE KEY, FL 33043-3102

Mortgage

Document Number	0030561365
Date	Nov 13, 2020
Book Page	3056/1365
Instrument	2290639

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

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		$461,542	$743,740 Land $334,026 Building $409,714
2024	$4,289.00 (+4.58%)
2023	$4,101.00 (+7.3%) Homeowner's exemption	$435,471 (+8.16%)	$854,054 (+46.67%) Land $465,444 Building $388,610
2022	$3,822.00 Homeowner's exemption	$402,624	$582,284 Land $307,314 Building $274,970

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

Flood

FEMA maps place 353 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 353 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 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