550 Sands Rd, Big Pine Key, FL 33043 Property Records

Monroe County property record for 550 Sands Rd, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,056 sqft · built 1979
Lot Size	0.236 acres (10,296 sqft)
Owner	Individual Name on File
Last Sale	$799,000 (Jan 2023)
Tax Bill	$6,456 (2024)
Deeds & Mortgages	Jan 2023 Sale
Flood Zone	Zone AE (high risk)
APN	`00286270-000000`

Property Details

APN / Parcel Number

Primary APN	`00286270-000000`
Alternative APNs	`24662900286270000000` `1358452`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,056 sqft Living Area
1st Floor Area	960 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2001
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,296 sqft (0.236 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	228 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1358452
Old Parcel Number	24662900286270000000
Street Address	550 SANDS RD
City	BIG PINE KEY
State	FL
Zip	33043-4608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 WISPERING PINES PLAT NO 3 BIG PINE KEY OR562-203 OR2731-1363D/C OR2793-2363/64 OR3210-0037
Legal Range	29E
Legal Township	66S
Legal Section	24
Legal Subdivision	WHISPERING PINES NO 3
Legal Lot Number	28
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1001
Census Tract	971401

Owner

550 Sands Rd is owned by an individual who bought it in January 2023.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	7047 CANASERAGA RD, CHITTENANGO, NY 13037-9534
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2023 · Amount on File
Deed Sale	Jan 27, 2023 · Amount on File
Deed Document Number	2404953
Deed Book / Page	3210 / 37
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 27, 2023
Property Address	550 SANDS RD, BIG PINE KEY, FL 33043-4608
Document Number	0032100037
Book / Page	3210 / 37
Map Reference	MB 4 PG 59
Instrument Date	Jan 26, 2023
Instrument	2404953
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	TRUE TITLE FLORIDA KEYS INC

Transaction

Amount	Amount on Record
Tax	$5,593.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 GRANT FARM RD, KINGSTON, TN 37763-5332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7047 CANASERAGA RD, CHITTENANGO, NY 13037-9534

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$738,988 Land $515,050 Building $223,938	$738,988 Land $515,050 Building $223,938
2024	$6,456.00 (+32.68%)
2023	$4,866.00 (+9.74%)	$580,182 (+14.93%) Land $370,836 Building $209,346	$580,182 (+14.93%) Land $370,836 Building $209,346
2022	$4,434.00	$504,829 Land $314,181 Building $190,648	$504,829 Land $314,181 Building $190,648

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

Flood

FEMA maps place 550 Sands Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 369 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	369 in force
Nearby Flood Claims	381 (1998–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 167 claims Hurricane Wilma, Oct 2005 · 76 claims Hurricane Georges, Sep 1998 · 122 claims

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

The area around 550 Sands Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20