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

Monroe County property record for 362 W Sandy Cir, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,292 sqft · built 1979
Lot Size	0.3 acres (13,050 sqft)
Owner	2 Individual Names on File
Last Sale	$533,000 (Aug 2020)
Tax Bill	$5,728 (2024)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00250591-005400`

Property Details

APN / Parcel Number

Primary APN	`00250591-005400`
Alternative APNs	`27662900250591005400` `1320765`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,292 sqft Living Area
1st Floor Area	1,132 sqft
Attic	Attic
Attic Area	156 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2015
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	13,050 sqft (0.3 acres)
Garage Type	Covered
Garage Area	232 sqft

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	680 sqft
Deck Area	20 sqft
Patio Area	172 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1320765
Street Address	362 W SANDY CIR
City	BIG PINE KEY
State	FL
Zip	33043-3130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 2 LTS 31 AND 32 TROPICAL KEY COLONY BIG PINE KEY PB6-99 OR576-595 OR797-2167/68 OR970-2034 OR1349-2088R/S OR2126-602D/C OR2126-603 OR2534-1856D/C OR2534-1859 OR3036-2074
Legal Range	29E
Legal Township	66S
Legal Section	27
Legal Subdivision	TROPICAL KEY COLONY
Legal Block	2
Legal Lot Number	31,32
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2026
Census Tract	971401

Owner

362 W Sandy Cir is owned and occupied by two individuals who bought it in August 2020.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	362 W SANDY CIR, BIG PINE KEY, FL 33043-3130
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2020 · Amount on File
Deed Sale	Aug 11, 2020 · Amount on File
Prior Sale	Sep 20, 2011 · Amount on File
Deed Document Number	20202276774
Deed Book / Page	3036 / 2074
Prior Transfer Date	Jun 10, 2005
Prior Transfer Doc	0021260603
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 11, 2020
Property Address	362 W SANDY CIR, BIG PINE KEY, FL 33043-3130
Document Number	0030362074
Book / Page	3036 / 2074
Map Reference	MB 6 PG 99
Instrument Date	Aug 10, 2020
Instrument	2276774
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,731.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	362 W SANDY CIR, 362, BIG PINE KEY, FL 33043-3130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27432 SAINT MARTIN LN, RAMROD KEY, FL 33042-5428

Mortgage

Document Number	0030362076
Date	Aug 11, 2020
Instrument	3036/2076

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

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		$637,358	$714,609 Land $396,394 Building $318,215
2024	$5,728.00 (+4.07%)
2023	$5,504.00 (+4.08%) Homeowner's exemption	$601,356 (+4.52%)	$699,175 (+21.52%) Land $399,656 Building $299,519
2022	$5,288.00 Homeowner's exemption	$575,367 Land $280,575 Building $294,792	$575,367 Land $280,575 Building $294,792

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

Flood

FEMA maps place 362 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 362 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