412 Sand Pine Cir, Midway, FL 32343 Property Records

Gadsden County property record for 412 Sand Pine Cir, Midway, FL 32343

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 2007
Lot Size	0.269 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Feb 2007)
Tax Bill	$1,573 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit May 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-06-1N-2W-1538-0000H-0340`

Property Details

APN / Parcel Number

Primary APN	`4-06-1N-2W-1538-0000H-0340`
Alternative APN	`1233520000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,428 sqft Heated Area
Gross Area	2,047 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.269 acres)
Terrain	Other
Garage Area	427 sqft
Porch	Porch
Porch Area	72 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1233520000
Street Address	412 SAND PINE CIR
City	MIDWAY
State	FL
Zip	32343-4217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 662 P 1093 OR 630 P 107 LO
Legal Range	02W
Legal Township	01N
Legal Section	06
Legal Subdivision	RUSTLING PINES
Legal Block	H
Legal Lot Number	34
Jurisdiction	GADSDEN FL
Township / Civil Division	HAVANA
Census Block Group	2
Census Block	2014
Census Tract	20600

Owner

Source: Gadsden County records, as of December 1, 2025

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
Co-owner	Co-owner on Record
Mailing Address	412 SAND PINE CIR, MIDWAY, FL 32343-4217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 12, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 24, 2017	Loan Modification, Mortgage · Conventional with PMI SUNTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2007 · Amount on Record
Deed Sale	Feb 15, 2007 · Amount on Record
Prior Sale	Jan 18, 2006 · Amount on Record
Deed Document Number	070002094
Deed Book / Page	0662 / 1093
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GADSDEN FL
Property Address	412 SAND PINE CIR, MIDWAY, FL 32343-4217
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	NOT AVAILABLE, AEG

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 SAND PINE CIR, MIDWAY, FL 32343-4217

Mortgage

Document Number	0009270121
Date	Dec 9, 2022
Book Page	927/121
Instrument	220010736

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GADSDEN FL
Property Address	412 SAND PINE CIR, MIDWAY, FL 32343-4217
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 SAND PINE CIR, MIDWAY, FL 32343-4217

Mortgage

Document Number	0009161042
Date	May 12, 2022
Book Page	916/1042
Instrument	220004848

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	CASHION, OK 73016

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	296 Months
Due	Jan 1, 2047

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GADSDEN FL
Property Address	412 SAND PINE CIR, MIDWAY, FL 32343-4217
Document Number	0008290562
Book / Page	000829 / 000562
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	May 26, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 SAND PINE CIR MIDWAY FL 323434217, MIDWAY, FL 32343-4217

Mortgage

Document Number	0008290562
Date	Mar 2, 2017
Book Page	000829/000562
Instrument	1546

Lender

Name	SUNTRUST MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Gadsden County assessment roll, as of July 1, 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	$1,573.00 (+3.83%) Homeowner's exemption	$126,604 (+2.9%)	$203,955 (+2.11%) Land $40,500 Building $163,455
2024	$1,515.00 (+3.2%) Homeowner's exemption	$123,036 (+3%)	$199,742 (+6.35%) Land $37,000 Building $162,742
2023	$1,468.00 (+4.48%) Homeowner's exemption	$119,453 (+3%)	$187,824 (+6.94%) Land $30,000 Building $157,824
2022	$1,405.00 Homeowner's exemption	$115,974	$175,634 Land $22,000 Building $153,634

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 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 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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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