Monroe County property record for 114 Newfound Harbor Rd, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,128 sqft · built 1987 |
| Lot Size | 0.175 acres (7,640 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $545,000 (Feb 2026) |
| Tax Bill | $3,068 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Feb 2026 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00246221-011000 |
| Primary APN | 00246221-011000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,128 sqft Living Area |
| 1st Floor Area | 1,128 sqft |
| Basement Area | 288 sqft |
| Flooring | Plywood |
| Interior Walls | Wood |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 7,640 sqft (0.175 acres) |
| Garage Type | Covered |
| Garage Area | 660 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 312 sqft |
| Cooling System | Wall Unit |
|---|
| Account Number | 1315231 |
|---|---|
| Street Address | 114 NEWFOUND HARBOR RD |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-3341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 4 LT 28 PINE KEY YACHT CLUB ESTATES BIG PINE KEY PB6-98 OR531-183 OR564-70 OR560-871 OR965-1115 OR1800-358R/S OR1867-871 OR2528-2462 OR2824-1611/1612 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 26 |
| Legal Subdivision | PINE KEY YACHT CLUB ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 28 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 971401 |
114 Newfound Harbor Rd is owned and occupied by two individuals who bought it in February 2026.
Source: Monroe County records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 114 NEWFOUND HARBOR RD, BIG PINE KEY, FL 33043-3341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage KEYS FCU |
| Feb 3, 2026 | Warranty Deed, Transfer · Conventional Mortgage COAST2COAST MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2026 · Amount on File |
| Deed Sale | Feb 3, 2026 · Amount on File |
| Prior Sale | Nov 7, 2016 · Amount on File |
| Deed Document Number | 20262530719 |
| Deed Book / Page | 3364 / 1947 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 114 NEWFOUND HARBOR RD, BIG PINE KEY, FL 33043-3341 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 114 NEWFOUND HARBOR RD, BIG PINE KEY, FL 33043-3341 |
| Document Number | 0031441602 |
|---|---|
| Date | Dec 22, 2021 |
| Book Page | 3144/1602 |
| Instrument | 2353887 |
| Name | KEYS FCU |
|---|---|
| Type | Credit Union |
| Address | KEY WEST, FL 33040 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 3, 2026 |
| Property Address | 114 NEWFOUND HARBOR RD, BIG PINE KEY, FL 33043-3341 |
| Document Number | 0033641947 |
| Book / Page | 3364 / 1947 |
| Map Reference | MB 6 PG 98 |
| Instrument Date | Feb 3, 2026 |
| Instrument | 2530719 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,815.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 114 NEWFOUND HARBOR RD, BIG PINE KEY, FL 33043-3341 |
| Name | Verified Name |
|---|---|
| Address | 114 NEWFOUND HARBOR RD, BIG PINE KEY, FL 33043-3341 |
| Document Number | 0033641949 |
|---|---|
| Date | Feb 3, 2026 |
| Instrument | 3364/1949 |
| Name | COAST2COAST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
The 2025 property tax bill for 114 Newfound Harbor Rd was $3,068 with a homeowner's exemption, up 5.1% from the year before.
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,068.00 (+5.1%) Homeowner's exemption | $294,306 | $403,327 Land $280,082 Building $123,245 |
| 2024 | $2,919.00 (+5.53%) | ||
| 2023 | $2,766.00 (+2.71%) Homeowner's exemption | $277,682 (+3%) | $420,197 (+6.75%) Land $308,809 Building $111,388 |
| 2022 | $2,693.00 Homeowner's exemption | $269,595 | $393,624 Land $283,673 Building $109,951 |
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.
FEMA maps place 114 Newfound Harbor 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 690 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 690 in force |
| Nearby Flood Claims | 982 (1980–2022) |
| Claims Outside the SFHA | 2 of 982 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 114 Newfound Harbor Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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