491 Sand Pine Cir, Midway, FL 32343 Property Records

Gadsden County property record for 491 Sand Pine Cir, Midway, FL 32343

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,535 sqft · built 2020
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$279,000 (Sep 2025)
Tax Bill	$4,501 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4-06-1N-2W-1538-0000I-0250`

Property Details

APN / Parcel Number

Primary APN	`4-06-1N-2W-1538-0000I-0250`
Alternative APN	`1234010000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,535 sqft Heated Area
Gross Area	2,079 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Terrain	Other
Garage Area	400 sqft
Porch	Porch
Porch Area	51 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1234010000
Street Address	491 SAND PINE CIR
City	MIDWAY
State	FL
Zip	32343-4223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 971 P 1101; OR 872 P 635 OR
Legal Range	02W
Legal Township	01N
Legal Section	06
Legal Subdivision	RUSTLING PINES
Legal Block	I
Legal Lot Number	25
Jurisdiction	GADSDEN FL
Township / Civil Division	HAVANA
Census Block Group	2
Census Block	2018
Census Tract	20600

Owner

Source: Gadsden County records, as of December 15, 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	491 SAND PINE CIR, MIDWAY, FL 32343-4223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Aug 27, 2019	Deed of Trust, Mortgage · Commercial Mortgage AMERIS BANK
Jan 15, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Aug 21, 2019	Correction Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2025 · Amount on Record
Deed Sale	Sep 8, 2025 · Amount on Record
Prior Sale	Jan 15, 2020 · Amount on Record
Deed Document Number	250006253
Deed Book / Page	971 / 1101
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GADSDEN FL
Recording Date	Sep 8, 2025
Property Address	491 SAND PINE CIR, MIDWAY, FL 32343-4223
Document Number	0009711101
Book / Page	971 / 1101
Map Reference	MB 2 PG 110
Instrument Date	Aug 21, 2025
Instrument	250006253
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CONNECTION TITLE, CONNECT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,953.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3037 HARPERS FERRY DR, TALLAHASSEE, FL 32308-9408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 SAND PINE CIR, MIDWAY, FL 32343-4223

Mortgage

Document Number	0009711104
Date	Sep 8, 2025
Instrument	971/1104

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GADSDEN FL
Property Address	491 SAND PINE CIR, MIDWAY, FL 32343-4223
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008661543
Date	Aug 27, 2019
Book Page	866/1543
Instrument	190007093

Lender

Name	AMERIS BANK
Type	Bank
Address	TALLAHASSEE, FL 32301

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Sep 5, 2020

Interest

Rate Type	Adjustable Rate

January 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GADSDEN FL
Recording Date	Jan 15, 2020
Property Address	491 SAND PINE CIR, MIDWAY, FL 32343-4223
Document Number	0008720635
Book / Page	872 / 0635
Map Reference	MB 2 PG 110
Instrument Date	Jan 13, 2020
Instrument	200000366
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 4, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,355.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5281 TOWER RD # RDB6, 5281, TALLAHASSEE, FL 32303-8937

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	491 SAND PINE CIR, MIDWAY, FL 32343-4223

Mortgage

Document Number	0008720636
Date	Jan 15, 2020
Instrument	872/0636

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

August 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	GADSDEN FL
Recording Date	Aug 21, 2019
Property Address	491 SAND PINE CIR, MIDWAY, FL 32343-4223
Document Number	0008660944
Book / Page	000866 / 000944
Instrument Date	Aug 19, 2019
Instrument	6948
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5281 TOWER RD #B6 TALLAHASSEE FL 323038939, B6, TALLAHASSEE, FL 32303-8939

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	$4,501.00 (+2.34%)	$237,507 (+2.08%) Land $40,500 Building $197,007	$237,507 (+2.08%) Land $40,500 Building $197,007
2024	$4,398.00 (+5.42%)	$232,666 (+6.14%) Land $37,000 Building $195,666	$232,666 (+6.14%) Land $37,000 Building $195,666
2023	$4,172.00 (+8.67%)	$219,200 (+6.51%) Land $30,000 Building $189,200	$219,200 (+6.51%) Land $30,000 Building $189,200
2022	$3,839.00	$205,809 Land $22,000 Building $183,809	$205,809 Land $22,000 Building $183,809

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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