197 Lobstertail Rd, Big Pine Key, FL 33043 Property Records

Monroe County property record for 197 Lobstertail Rd, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,395 sqft · built 2018
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$645,000 (Mar 2022)
Tax Bill	$5,784 (2024)
Deeds & Mortgages	Oct 2022 Mortgage Mar 2022 Sale & Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`00244810-000000`

Property Details

APN / Parcel Number

Primary APN	`00244810-000000`
Alternative APNs	`26662900244810000000` `1312711`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,395 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2021
Exterior Material	Combination
Roof Type	Gable
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Covered
Garage Area	837 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1312711
Street Address	197 LOBSTERTAIL RD
City	BIG PINE KEY
State	FL
Zip	33043-3311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 6 LT 14 CAHILL PINES AND PALMS BIG PINE KEY PB3-94 OR466-552/54 OR569-889 OR742-143 OR794-1249 OR2724-1527 OR2898-1969/70 OR2965-2176 OR3162-0658
Legal Range	29E
Legal Township	66S
Legal Section	26
Legal Subdivision	CAHILL PINES AND PALMS
Legal Block	6
Legal Lot Number	14
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2050
Census Tract	971401

Owner

Source: Monroe County records, as of December 8, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	197 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGEPROS LLC
Mar 21, 2022	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage AXIA FINANCIAL LLC
May 22, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 30, 2018	Trustee's Deed, Construction Loan · Construction Mortgage SUSAN PUSKEDRA
May 11, 2018	Trustee's Deed, Construction Loan · Construction Mortgage PAMELA S OLIVET
Mar 29, 2018	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2022 · Amount on Record
Deed Sale	Mar 21, 2022 · Amount on Record
Prior Sale	May 22, 2019 · Amount on Record
Deed Document Number	20222366757
Deed Book / Page	3162 / 658
Prior Transfer Date	Jan 30, 2017
Prior Transfer Doc	0029192146
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	197 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3311
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3311

Mortgage

Document Number	0031960263
Date	Oct 3, 2022
Book Page	3196/263
Instrument	2393080

Lender

Name	MORTGAGEPROS LLC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 21, 2022
Property Address	197 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3311
Document Number	0031620658
Book / Page	3162 / 658
Map Reference	MB 3 PG 94
Instrument Date	Dec 6, 2021
Instrument	2366757
Transaction Type	Transfer
Record Updated	Apr 8, 2022
Title Company	NOT AVAILABLE, HARBOR TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,515.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	55 WALKERS BROOK DR, 55, READING, MA 01867-3272

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3311

Mortgage

Document Number	0003162660
Date	Mar 21, 2022
Instrument	3162/660

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	197 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3311
Transaction Type	Mortgage
Record Updated	Aug 26, 2021
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3311

Mortgage

Document Number	0031170556
Date	Aug 3, 2021
Book Page	3117/556
Instrument	2333303

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company
Address	BELLEVUE, WA 98004

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 22, 2019
Property Address	197 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3311
Document Number	0029652176
Book / Page	2965 / 2176
Map Reference	MB 3 PG 94
Instrument Date	May 17, 2019
Instrument	2221450
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 420236, SUMMERLAND KEY, FL 33042-0236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3311

Mortgage

Document Number	0029652178
Date	May 22, 2019
Instrument	2965-2178

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

July 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE FL
Recording Date	Jul 30, 2018
Property Address	197 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3311
Document Number	0029191576
Book / Page	002919 / 001576
Instrument Date	Jul 23, 2018
Instrument	2180117
Transaction Type	Construction Loan
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	197 LOBSTERTAIL RD BIG PINE KEY FL 33043, BIG PINE KEY, FL 33043

Mortgage

Document Number	29191576
Date	Jul 30, 2018
Book Page	002919/001576
Instrument	2180117

Lender

Name	SUSAN PUSKEDRA

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 29, 2019

Interest

Rate	10%

May 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE FL
Recording Date	May 11, 2018
Property Address	197 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3311
Document Number	0029061044
Book / Page	002906 / 001044
Instrument Date	May 9, 2018
Instrument	2168793
Transaction Type	Construction Loan
Record Updated	Jun 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	197 LOBSTERTAIL RD BIG PINE KEY FL 33043, BIG PINE KEY, FL 33043

Mortgage

Document Number	29061044
Date	May 11, 2018
Book Page	002906/001044
Instrument	2168793

Lender

Name	PAMELA S OLIVET

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 10, 2019

Interest

Rate	10%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 29, 2018
Property Address	197 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3311
Document Number	0028981969
Book / Page	002898 / 001969
Instrument Date	Mar 23, 2018
Instrument	2162001
Transaction Type	Transfer
Record Updated	May 30, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$840.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 420236 SUMMERLAND KEY FL 330420236, SUMMERLAND KEY, FL 33042-0236

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$624,325 (+3.21%) Land $295,500 Building $328,825	$624,325 (+3.21%) Land $295,500 Building $328,825
2024	$5,784.00 (+3.75%)
2023	$5,575.00 (+8.87%)	$604,914 (+9.79%) Land $301,500 Building $303,414	$604,914 (+9.79%) Land $301,500 Building $303,414
2022	$5,121.00	$550,979 Land $244,500 Building $306,479	$550,979 Land $244,500 Building $306,479

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

Flood

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 Record 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	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 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 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

197 Lobstertail Rd, Big Pine Key, FL 33043 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2018: Trustee's Deed, Construction Loan

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2018: Trustee's Deed, Construction Loan

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Lobstertail Rd

Nearby Streets

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