524 Sand Pine Cir, Midway, FL 32343 Property Records

Gadsden County property record for 524 Sand Pine Cir, Midway, FL 32343

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,701 sqft · built 2020
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Apr 2020)
Tax Bill	$3,305 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-06-1N-2W-1538-0000H-0270`

Property Details

APN / Parcel Number

Primary APN	`4-06-1N-2W-1538-0000H-0270`
Alternative APN	`1233450000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,701 sqft Heated Area
Gross Area	2,297 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	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1233450000
Street Address	524 SAND PINE CIR
City	MIDWAY
State	FL
Zip	32343-4218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 875 P 1959 OR 861 P 322 OR
Legal Range	02W
Legal Township	01N
Legal Section	06
Legal Subdivision	RUSTLING PINES
Legal Block	H
Legal Lot Number	27
Jurisdiction	GADSDEN FL
Township / Civil Division	HAVANA
Census Block Group	2
Census Block	2014
Census Tract	20600

Owner

524 Sand Pine Cir is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	524 SAND PINE CIR, MIDWAY, FL 32343-4218
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
Apr 6, 2020	Deed of Trust, Mortgage · Conventional with PMI UNIVERSITY LNDG
Aug 5, 2019	Trustee's Deed, Construction Loan · Line of Credit FIDELITY BK
Apr 22, 2019	Warranty Deed, Transfer · Construction Mortgage SEBASTIEN HITIER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2020 · Amount on File
Deed Sale	Apr 7, 2020 · Amount on File
Prior Sale	Apr 22, 2019 · Amount on File
Deed Document Number	200002600
Deed Book / Page	875 / 1959
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GADSDEN FL
Property Address	524 SAND PINE CIR, MIDWAY, FL 32343-4218
Instrument Date	Apr 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	ADVANTAGE TITLE GROUP, ADVANTAGE TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 SAND PINE CIR MIDWAY FL 323434218, MIDWAY, FL 32343-4218

Mortgage

Document Number	8751961
Date	Apr 7, 2020
Book Page	000875/001961
Instrument	2601

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 6, 2050

August 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	GADSDEN FL
Recording Date	Aug 5, 2019
Property Address	524 SAND PINE CIR, MIDWAY, FL 32343-4218
Document Number	0008651342
Book / Page	000865 / 001342
Instrument Date	Aug 1, 2019
Instrument	6512
Transaction Type	Construction Loan
Record Updated	Aug 23, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3551 BLAIRSTONE ROAD 105-115 TALLAHASSEE FL 32301, TALLAHASSEE, FL 32301

Mortgage

Document Number	8651342
Date	Aug 5, 2019
Book Page	000865/001342
Instrument	6512

Lender

Name	FIDELITY BK
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 4, 2020

Interest

Rate Type	Adjustable Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GADSDEN FL
Recording Date	Apr 22, 2019
Property Address	524 SAND PINE CIR, MIDWAY, FL 32343-4218
Document Number	0008610322
Book / Page	000861 / 000322
Instrument Date	Apr 18, 2019
Instrument	3509
Transaction Type	Transfer
Record Updated	May 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3551 BLAIRSTONE ROAD 105-115 TALLAHASSEE FL 32301, TALLAHASSEE, FL 32301

Mortgage

Document Number	8610323
Date	Apr 22, 2019
Book Page	000861/000323
Instrument	3510

Lender

Name	SEBASTIEN HITIER

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 21, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 524 Sand Pine Cir was $3,305 with a homeowner's exemption, up 3.5% from the year before.

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	$3,305.00 (+3.48%) Homeowner's exemption	$218,010 (+2.9%)	$261,913 (+1.96%) Land $40,500 Building $221,413
2024	$3,194.00 (+2.34%) Homeowner's exemption	$211,866 (+3%)	$256,876 (+5.89%) Land $37,000 Building $219,876
2023	$3,121.00 (+3.52%) Homeowner's exemption	$205,696 (+3%)	$242,579 (+6.04%) Land $30,000 Building $212,579
2022	$3,015.00 Homeowner's exemption	$199,705	$228,771 Land $22,000 Building $206,771

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

Flood

FEMA maps place 524 Sand Pine Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 524 Sand Pine Cir is moderate, ranking above 51% of the US, with a 0.09% annual chance of 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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