1. Home
  2. Florida
  3. Monroe County
  4. Big Pine Key
  5. Palm Beach Rd

2128 Palm Beach Rd, Big Pine Key, FL 33043 Property Records

Monroe County property record for 2128 Palm Beach Rd, Big Pine Key, FL 33043

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 816 sqft · built 1977
Lot Size0.151 acres (6,591 sqft)
OwnerIndividual Name on Record
Last Sale$310,000 (Jun 2020)
Tax Bill$3,384 (2024)
Deeds & MortgagesJun 2023 Line of Credit
Jun 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00259450-000000

Property Details

APN / Parcel Number

Primary APN00259450-000000
Alternative APNs
  • 16662900259450000000
  • 1331112

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area816 sqft Living Area
1st Floor Area816 sqft
FlooringPlywood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 2004
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypePile
Roof TypeGable
Roof MaterialMetal
Lot Area6,591 sqft (0.151 acres)
Garage TypeCarport
CarportCarport

Exterior Amenities

Pool TypePublic / Commercial Pool
PorchOpen Porch
Porch Area168 sqft
Deck Area135 sqft
Patio Area225 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Account Number1331112
Old Parcel Number16662900259450000000
Street Address2128 PALM BEACH RD
CityBIG PINE KEY
StateFL
Zip33043-6312
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 3 LT 40 PINE RIDGE PB4-42 BIG PINE KEY OR278-222/223 OR539-1034D/C OR540-1031D/C OR709-819 OR727-448 OR866-2089/90
Legal Range29E
Legal Township66S
Legal Section16
Legal SubdivisionPINE RIDGE
Legal Block3
Legal Lot Number40
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1096
Census Tract971402

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
Mailing Address2128 PALM BEACH RD, BIG PINE KEY, FL 33043-6312
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 1, 2023Deed of Trust, Mortgage · Line of Credit
UNITED WHOLESALE MORTGAGE
Jun 25, 2020Warranty Deed, Transfer · FHA Mortgage
SUPREME LNDG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 25, 2020 · Amount on Record
Deed SaleJun 25, 2020 · Amount on Record
Deed Document Number2270914
Deed Book / Page3028 / 1989
Record UpdatedJun 8, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address2128 PALM BEACH RD, BIG PINE KEY, FL 33043-6312
Transaction TypeMortgage
Record UpdatedJun 27, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address2128 PALM BEACH RD, BIG PINE KEY, FL 33043-6312

Mortgage

Document Number0032280451
DateJun 1, 2023
Book Page3228/451
Instrument2420240
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJun 1, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJun 25, 2020
Property Address2128 PALM BEACH RD, BIG PINE KEY, FL 33043-6312
Document Number0030281989
Book / Page003028 / 001989
Instrument DateJun 24, 2020
Instrument2270914
Transaction TypeTransfer
Record UpdatedAug 3, 2020
Title CompanyOTHER

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,170.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2128 PALM BEACH RD BIG PINE KEY FL 330436312, BIG PINE KEY, FL 33043-6312

Mortgage

Document Number30281991
DateJun 25, 2020
Book Page003028/001991
Instrument2270915
Lender
NameSUPREME LNDG
AddressDALLAS, TX 75254
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 24, 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$428,439 (+17.15%) Land $270,495 Building $157,944$428,439 (+17.15%) Land $270,495 Building $157,944
2024$3,384.00 (-3.45%)
2023$3,505.00 (+12.23%)$365,712 (+26.03%) Land $220,667 Building $145,045$365,712 (+26.03%) Land $220,667 Building $145,045
2022$3,123.00$290,188 Land $142,366 Building $147,822$290,188 Land $142,366 Building $147,822

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 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 522 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies522 in force
Nearby Flood Claims852 (1979–2017)
Most Recent ClaimOct 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 308 claims
  • Hurricane Wilma, Nov 2005 · 306 claims
  • Hurricane Georges, Oct 1998 · 211 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond 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 44 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

Nearby Properties on Palm Beach Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures