523 Sand Pine Cir, Midway, FL 32343 Property Records

Gadsden County property record for 523 Sand Pine Cir, Midway, FL 32343

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,684 sqft · built 2020
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Jun 2023)
Tax Bill	$4,570 (2025)
Deeds & Mortgages	Jan 2020 Construction Loan May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-06-1N-2W-1538-0000I-0270`

Property Details

APN / Parcel Number

Primary APN	`4-06-1N-2W-1538-0000I-0270`
Alternative APN	`1234030000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,684 sqft Living Area
Gross Area	2,275 sqft
1st Floor Area	1,684 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,890 sqft (0.25 acres)
Garage Area	441 sqft
Porch	Porch
Porch Area	70 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	523 SAND PINE CIR
City	MIDWAY
State	FL
Zip	32343-4224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 935 P 1321; OR 877 P 555 OR
Legal Range	2W
Legal Township	1N
Legal Section	06
Legal Subdivision	RUSTLING PINES
Legal Lot Number	27
Jurisdiction	GADSDEN FL
Township / Civil Division	HAVANA
Census Block Group	2
Census Block	2018
Census Tract	20600

Owner

523 Sand Pine Cir is owned and occupied by an individual who bought it in June 2023.

Source: Gadsden County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	523 SAND PINE CIR, MIDWAY, FL 32343-4224
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

Date	Document
Jan 21, 2020	Deed of Trust, Mortgage · Construction Mortgage AMERIS BANK
May 5, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage DELMAR FINANCIAL CO
Aug 21, 2019	Correction Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2023 · Amount on File
Deed Sale	Jun 13, 2023 · Amount on File
Prior Sale	May 5, 2020 · Amount on File
Deed Document Number	20234391
Deed Book / Page	935 / 1321
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GADSDEN FL
Property Address	523 SAND PINE CIR, MIDWAY, FL 32343-4224
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008721092
Date	Jan 21, 2020
Book Page	872/1092
Instrument	200000515

Lender

Name	AMERIS BANK
Type	Bank
Address	TALLAHASSEE, FL 32301

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	13 Months
Due	Feb 5, 2021

May 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GADSDEN FL
Recording Date	May 5, 2020
Property Address	523 SAND PINE CIR, MIDWAY, FL 32343-4224
Document Number	0008770555
Book / Page	877 / 555
Map Reference	MB 2 PG 110
Instrument Date	Apr 30, 2020
Instrument	200003236
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 4, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,624.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5281 TOWER RD STE B6, 5281, TALLAHASSEE, FL 32303-8939

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 SAND PINE CIR, MIDWAY, FL 32343-4224

Mortgage

Document Number	0000877556
Date	May 5, 2020
Instrument	877/556

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

August 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	GADSDEN FL
Recording Date	Aug 21, 2019
Property Address	523 SAND PINE CIR, MIDWAY, FL 32343-4224
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

The 2025 property tax bill for 523 Sand Pine Cir was $4,570 with exemptions applied, up 1.2% from the year before.

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	$4,570.00 (+1.24%) Homeowner's exemption Veteran's exemption	$289,773 (+2.87%) Land $40,500 Building $249,273	$289,773 (+2.87%) Land $40,500 Building $249,273
2024	$4,514.00 (+30.61%) Homeowner's exemption	$281,680 (+26.22%) Land $37,000 Building $244,680	$281,680 (+17.12%) Land $37,000 Building $244,680
2023	$3,456.00 (+3.44%) Homeowner's exemption	$223,162 (+3%)	$240,510 (+6.53%) Land $30,000 Building $210,510
2022	$3,341.00 Homeowner's exemption	$216,663	$225,777 Land $22,000 Building $203,777

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

Flood

FEMA maps place 523 Sand Pine Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 523 Sand Pine Cir is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% 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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