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129 Cunningham Ln, Big Pine Key, FL 33043 Property Records

Monroe County property record for 129 Cunningham Ln, Big Pine Key, FL 33043 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms4 Baths
Year BuiltBuilt 2020
Square Footage2,392 sqft Living Area
Lot Size14,386 sqft (0.33 acres)
Last Sale$227,000 (2017)
Tax Bill$8,186.00 (2024)

Property Details

APN / Parcel Number

Primary APN00250980-000000
Alternative APNs
  • 26662900250980000000
  • 1322768

Interior

Bedrooms5 Beds
Full Baths4 Baths
Building Area2,392 sqft Living Area
1st Floor1,164 sqft 1st Floor
Stories2 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2020
Exterior MaterialPlywood Exterior
Foundation TypePile Foundation
Roof ConstructionGable Roof Construction
Roof MaterialMetal Roof
Lot Area14,386 sqft (0.33 acres)
FenceFence
PorchOpen Porch
Porch Area440 sqft Porch

Utilities and HVAC

Cooling SystemWall Unit Cooling
Heating SystemForced Air Heating

Location & Zoning

Account Number1322768
Old Parcel Number26662900250980000000
Street Address129 CUNNINGHAM LN
CityBIG PINE KEY
StateFL
Zip33043-4836
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionBK 3 LOTS 1 AND 2 AND 15 AND 16 PINE HAMMONCK PB3-163 BIG PINE KEY OR537-114 OR540-81 OR1784-700L/E OR2888-1589/90
Legal Range29E
Legal Township66S
Legal Section26
Legal SubdivisionPINE HAMMOCK
Legal Block3
Legal Lot Number1-2 2
JurisdictionMONROE FL
Minor Civil DivisionLOWER KEYS
Census Blockgroup1
Census Block1031
Census Tract971401

Owner

Source: Monroe County records · APN 00250980-000000

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 Address1206 LAKE DR, SOUTH MILWAUKEE, WI 53172-1739
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 26, 2019Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM)
CAPITAL BANK
Oct 08, 2020Loan Modification, Mortgage
FIRST HORIZON BK
Jan 24, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 01, 2017 · Amount on Record
Deed SaleDec 01, 2017 · Amount on Record
Deed Doc Number0028881589
Prior Transfer DateMay 14, 2002
Prior Transfer Doc0178400700
Record RefreshedJun 08, 2026

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address129 CUNNINGHAM LN, BIG PINE KEY, FL 33043-4836
Transaction TypeMortgage
Record UpdatedDec 21, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029720208
DateJun 26, 2019
Book Page2972/0208
Instrument2226323
Lender
NameCAPITAL BANK
TypeBank
AddressMEMPHIS, TN 38103
Agreement
TypeAdjustable Rate Mortgage (ARM)
AmountAmount Recorded
Term373 Months
DueJul 01, 2050
Interest
Rate TypeAdjustable Rate
Rate3.87%
Min Rate At Change2.25%
Max Rate At Change8.87%
Index1-Year CMT
Max Rate8.87%

October 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address129 CUNNINGHAM LN, BIG PINE KEY, FL 33043-4836
Document Number0030521234
Instrument DateOct 08, 2020
Transaction TypeMortgage
Record UpdatedNov 06, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address129 CUNNINGHAM LN BIG PINE KEY FL 330434836, BIG PINE KEY, FL 33043-4836

Mortgage

Document Number0030521234
DateOct 26, 2020
Book Page003052/001234
Instrument2287817
Lender
NameFIRST HORIZON BK
TypeBank
AddressFORT MYERS, FL 33966
Agreement
AmountAmount Recorded
Term180 Months
DueOct 25, 2035
Interest
Rate TypeFixed Rate
Rate2.75%

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 24, 2018
Property Address129 CUNNINGHAM LN, BIG PINE KEY, FL 33043-4836
Document Number0028881589
Book / Page002888 / 001589
Instrument DateJan 02, 2018
Instrument2152388
Transaction TypeTransfer
Record UpdatedFeb 08, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$1,057.00
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address3709A E EDGERTON AVE CUDAHY WI 531101903, CUDAHY, WI 53110-1903

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$925,036 (+5.84%) Land $365,165 Building $559,871$925,036 (+5.84%) Land $365,165 Building $559,871
2024$8,186.00 (+8.64%)
2023$7,535.00 (+8.65%)$874,028 (+9.92%) Land $344,417 Building $529,611$874,028 (+9.92%) Land $344,417 Building $529,611
2022$6,935.00$795,185 Land $265,574 Building $529,611$795,185 Land $265,574 Building $529,611

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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