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

Monroe County property record for 574 Sands Rd, Big Pine Key, FL 33043 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2023
Square Footage1,530 sqft Living Area
Lot Size8,218 sqft (0.188 acres)
OccupancyOwner Occupied
Last Sale$285,000 (2021)
Tax Bill$6,239.00 (2024)

Property Details

APN / Parcel Number

Primary APN00286280-000100
Alternative APN
  • 9104079

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,530 sqft Living Area
Stories2 Stories
Primary FlooringConcrete/Cement Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2023
Foundation TypePile Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialMetal Roof
Lot Area8,218 sqft (0.188 acres)
Depth X Width137 ft x 75 ft Depth x Width
PorchOpen Porch

Utilities and HVAC

Heating SystemForced Air Heating

Location & Zoning

Account Number9104079
Street Address574 SANDS RD
CityBIG PINE KEY
StateFL
Zip33043-4608
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionN 60FT OF LT 30 WHISPERING PINES PLAT 3 PB4-59 BIG PINE KEY OR446-31 OR448-205 OR778-1838 OR780-12 OR781-1432 OR782-1540
Legal Range29E
Legal Township66S
Legal Section24
Legal SubdivisionWHISPERING PINES NO 3
Legal Lot Number30
JurisdictionMONROE FL
Minor Civil DivisionLOWER KEYS
Census Blockgroup1
Census Block1001
Census Tract971401

Owner

Source: Monroe County records · APN 00286280-000100

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address574 SANDS RD, BIG PINE KEY, FL 33043-4608
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 16, 2022Deed of Trust, Mortgage · Building or Construction Mortgage
CENTENNIAL BANK
Sep 24, 2021Warranty Deed, Transfer · Conventional Mortgage
FIRST STATE BANK OF THE FLORIDA KEY
Jul 24, 2019Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
WILLIAM MATTHEWS
Jul 25, 2017Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
2ND AVENUE OCEAN LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 24, 2021 · Amount on Record
Deed SaleSep 24, 2021 · Amount on Record
Prior SaleJul 24, 2019 · Amount on Record
Deed Doc Number2341202
Deed Book / Page3127 / 1644
Record RefreshedJun 08, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address574 SANDS RD, BIG PINE KEY, FL 33043-4608
Transaction TypeMortgage
Record UpdatedJan 26, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address27357 MARTINIQUE LN, SUMMRLND KEY, FL 33042-5417

Mortgage

Document Number0031891074
DateAug 16, 2022
Book Page3189/1074
Instrument2387775
Lender
NameCENTENNIAL BANK
TypeBank
AddressCONWAY, AR 72033
Agreement
TypeBuilding or Construction Mortgage
AmountAmount Recorded
Term373 Months
DueSep 01, 2053
Interest
Rate TypeAdjustable Rate
Rate4.75%
Type Change DateSep 01, 2030
Change FrequencyAnnually
Min Rate At Change3.5%
Max Rate At Change6.75%
Index1-Year CMT
Max Rate10.7%

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 24, 2021
Property Address574 SANDS RD, BIG PINE KEY, FL 33043-4608
Document Number0031271644
Book / Page3127 / 1644
Map ReferenceMB 4 PG 59
Instrument DateSep 22, 2021
Instrument2341202
Transaction TypeTransfer
Record UpdatedJan 26, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,995.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address915 CREEK VIEW DR, AURORA, OH 44202-7101

Transferred To (Grantee/Buyer)

NameVerified Name
Address574 SANDS RD, BIG PINE KEY, FL 33043-4608

Mortgage

Document Number0031271646
DateSep 24, 2021
Instrument3127/1646
Lender
NameFIRST STATE BANK OF THE FLORIDA KEY
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term37 Months
DueOct 01, 2024

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 24, 2019
Property Address574 SANDS RD, BIG PINE KEY, FL 33043-4608
Document Number0029761453
Book / Page002976 / 001453
Instrument DateJul 16, 2019
Instrument2229955
Transaction TypeTransfer
Record UpdatedAug 07, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,330.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address574 SANDS RD BIG PINE KEY FL 33043, BIG PINE KEY, FL 33043

Mortgage

Document Number29761456
DateJul 24, 2019
Book Page002976/001456
Instrument2229956
Lender
NameWILLIAM MATTHEWS
Address1600 YELLOWTAIL AVE, MARATHON, FL 33050-2870
Special NotesLender is also the Seller
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term24 Months
DueJul 23, 2021
Interest
Rate6%

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 25, 2017
Property Address574 SANDS RD, BIG PINE KEY, FL 33043-4608
Document Number0028660198
Book / Page002866 / 000198
Instrument DateJul 10, 2017
Instrument2132625
Transaction TypeTransfer
Record UpdatedJan 03, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$770.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1600 YELLOWTAIL AVE MARATHON FL 330502870, MARATHON, FL 33050-2870

Mortgage

Document Number28660200
DateJul 25, 2017
Book Page002866/000200
Instrument2132626
Lender
Name2ND AVENUE OCEAN LLC
AddressPO BOX 489, HAWTHORNE, FL 32640-0489
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term60 Months
DueJul 24, 2022
Interest
Rate TypeFixed Rate
Rate5.5%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$737,619 (+148.36%)$781,004 (+162.97%) Land $427,336 Building $353,668
2024$6,239.00 (+118.15%)
2023$2,860.00 (+33.71%)$296,999 (+17.8%) Land $296,999$296,999 (+17.8%) Land $296,999
2022$2,139.00$252,128 Land $252,128$252,128 Land $252,128

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation8.0 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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