428 Sand Pine Cir, Midway, FL 32343 Property Records

Gadsden County property record for 428 Sand Pine Cir, Midway, FL 32343

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,394 sqft · built 2007
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$146,500 (Jan 2019)
Tax Bill	$2,026 (2025)
Deeds & Mortgages	Jun 2025 Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-06-1N-2W-1538-0000H-0330`

Property Details

APN / Parcel Number

Primary APN	`4-06-1N-2W-1538-0000H-0330`
Alternative APN	`1233510000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,394 sqft Living Area
Gross Area	1,979 sqft
1st Floor Area	1,394 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Area	400 sqft
Porch	Porch
Porch Area	65 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	428 SAND PINE CIR
City	MIDWAY
State	FL
Zip	32343-4217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 857 P 115 OR 765 P 1834 OR
Legal Range	2W
Legal Township	1N
Legal Section	06
Legal Subdivision	RUSTLING PINES
Legal Block	H
Legal Lot Number	33
Jurisdiction	GADSDEN FL
Township / Civil Division	HAVANA
Census Block Group	2
Census Block	2014
Census Tract	20600

Owner

Source: Gadsden County records, as of August 12, 2026

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 Record
Mailing Address	428 SAND PINE CIR, MIDWAY, FL 32343-4217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2025	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Mar 3, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Jan 17, 2019	Warranty Deed, Transfer · FHA Mortgage SYNOVUS MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2019 · Amount on Record
Deed Sale	Jan 17, 2019 · Amount on Record
Prior Sale	Jun 4, 2007 · Amount on Record
Deed Document Number	2019556
Deed Book / Page	857 / 115
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GADSDEN FL
Property Address	428 SAND PINE CIR, MIDWAY, FL 32343-4217
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SAND PINE CIR, MIDWAY, FL 32343-4217

Mortgage

Document Number	0009671836
Date	Jun 20, 2025
Book Page	967/1836
Instrument	250004239

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jun 1, 2065

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GADSDEN FL
Property Address	428 SAND PINE CIR, MIDWAY, FL 32343-4217
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SAND PINE CIR, MIDWAY, FL 32343-4217

Mortgage

Document Number	0009111821
Date	Mar 3, 2022
Book Page	911/1821
Instrument	220001933

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2052

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GADSDEN FL
Recording Date	Jan 17, 2019
Property Address	428 SAND PINE CIR, MIDWAY, FL 32343-4217
Document Number	0008570115
Book / Page	857 / 0115
Map Reference	MB 2 PG 110
Instrument Date	Jan 14, 2019
Instrument	190000556
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	NORTH FLORIDA TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,025.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	522 S MAIN ST, 522, HAVANA, FL 32333-2137

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	428 SAND PINE CIR, MIDWAY, FL 32343-4217

Mortgage

Document Number	0190000557
Date	Jan 17, 2019
Instrument	190000557

Lender

Name	SYNOVUS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

Source: Gadsden County assessment roll, as of November 17, 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	$2,026.00 (+3.63%) Homeowner's exemption	$150,544 (+2.9%)	$196,616 (+2.2%) Land $40,500 Building $156,116
2024	$1,955.00 (+2.84%) Homeowner's exemption	$146,302 (+3%)	$192,384 (+6.51%) Land $37,000 Building $155,384
2023	$1,901.00 (+4.05%) Homeowner's exemption	$142,041 (+3%)	$180,620 (+7.2%) Land $30,000 Building $150,620
2022	$1,827.00 Homeowner's exemption	$137,904	$168,491 Land $22,000 Building $146,491

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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