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1133 Division St, Big Pine Key, FL 33043 Property Records

Monroe County property record for 1133 Division St, Big Pine Key, FL 33043

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,594 sqft · built 1974
Lot Size0.286 acres (12,500 sqft)
OwnerIndividual Name on Record
Last Sale$490,000 (Feb 2025)
Tax Bill$2,379 (2024)
Deeds & MortgagesJul 2020 Loan Modification
Mar 2020 Mortgage
Flood ZoneZone AE (high risk)
APN00282350-000000

Property Details

APN / Parcel Number

Primary APN00282350-000000
Alternative APNs
  • 23662900282350000000
  • 1354325

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,594 sqft Living Area
1st Floor Area1,594 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 2006
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area12,500 sqft (0.286 acres)
Lot Dimensions125 ft deep x 100 ft wide
Garage Area576 sqft
Deck Area180 sqft
Patio Area195 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1354325
Old Parcel Number23662900282350000000
Street Address1133 DIVISION ST
CityBIG PINE KEY
StateFL
Zip33043-4758
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 23 LTS 13 & 14 PALM VILLA BIG PINE KEY PB1-89 OR551-727 OR791-1593 OR1443-1668 OR1702-222
Legal Range29E
Legal Township66S
Legal Section23
Legal SubdivisionPALM VILLA
Legal Block23
Legal Lot Number13-14 14
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group2
Census Block2022
Census Tract971401

Owner

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

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1133 DIVISION ST, BIG PINE KEY, FL 33043-4758
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 1, 2020Loan Modification, Mortgage · Conventional Mortgage
MIDFIRST BK
Mar 11, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 12, 2025 · Amount on Record
Deed SaleFeb 12, 2025 · Amount on Record
Prior SaleJun 11, 2001 · Amount on Record
Deed Document Number2489519
Deed Book / Page3311 / 1596
Record UpdatedJun 8, 2026

July 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address1133 DIVISION ST, BIG PINE KEY, FL 33043-4758
Document Number0030331138
Instrument DateJul 1, 2020
Transaction TypeMortgage
Record UpdatedAug 28, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1133 DIVISION ST BIG PINE KEY FL 330434758, BIG PINE KEY, FL 33043-4758

Mortgage

Document Number0030331138
DateJul 23, 2020
Book Page003033/001138
Instrument2274246
Lender
NameMIDFIRST BK
TypeBank
AddressOKLAHOMA CITY, OK 73118
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 22, 2050
Interest
Rate TypeFixed Rate
Rate4%

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1133 DIVISION ST, BIG PINE KEY, FL 33043-4758
Document Number0030321928
Instrument DateMar 11, 2020
Transaction TypeMortgage
Record UpdatedAug 26, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1133 DIVISION ST BIG PINE KEY FL 330434758, BIG PINE KEY, FL 33043-4758

Mortgage

Document Number0030321928
DateJul 21, 2020
Book Page003032/001928
Instrument2273805
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 20, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$228,332 (+5.99%)$517,858 (-1.12%) Land $268,000 Building $249,858
2024$2,379.00 (+6.25%)
2023$2,239.00 (+2.71%) Homeowner's exemption$215,434 (+3%)$523,727 (+19.72%) Land $284,750 Building $238,977
2022$2,180.00 Homeowner's exemption$209,160$437,466 Land $186,344 Building $251,122

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 690 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies690 in force
Nearby Flood Claims982 (1980–2022)
Claims Outside the SFHA2 of 982
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 418 claims
  • Hurricane Wilma, Oct 2005 · 219 claims
  • Hurricane Georges, Sep 1998 · 315 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 128 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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