29039 Palmetto Dr, Big Pine Key, FL 33043 Property Records

Monroe County property record for 29039 Palmetto Dr, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,408 sqft · built 1988
Lot Size	0.117 acres (5,100 sqft)
Owner	2 Individual Names on File
Last Sale	$680,000 (Jun 2023)
Tax Bill	$5,748 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Apr 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00266690-000000`

Property Details

APN / Parcel Number

Primary APN	`00266690-000000`
Alternative APNs	`15662900266690000000` `1338338`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,408 sqft Living Area
1st Floor Area	1,408 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable
Roof Material	Metal
Lot Area	5,100 sqft (0.117 acres)
Lot Dimensions	85 ft deep x 60 ft wide
View / Lot	Canal
Porch	Open Porch
Porch Area	986 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1338338
Street Address	29039 PALMETTO DR
City	BIG PINE KEY
State	FL
Zip	33043-6021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ACCC
Legal Description	BK 8 LT 13 EDEN PINES COLONY PB4-158 BIG PINE KEY OR514-676 OR826-2289 OR834-920 OR1059-1192 OR1541-2225 OR2607-1136 OR2608-2380 OR3054-1894 OR3229-2261
Legal Range	29E
Legal Township	66S
Legal Section	15
Legal Subdivision	EDEN PINES COLONY
Legal Block	8
Legal Lot Number	13
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1097
Census Tract	971402

Owner

29039 Palmetto Dr is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	29039 PALMETTO DR, BIG PINE KEY, FL 33043-6021
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2023	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Apr 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2023 · Amount on File
Deed Sale	Jun 13, 2023 · Amount on File
Prior Sale	Jul 30, 1993
Deed Document Number	20232421651
Deed Book / Page	3229 / 2261
Prior Transfer Date	Dec 27, 2012
Prior Transfer Doc	0026071136
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 13, 2023
Property Address	29039 PALMETTO DR, BIG PINE KEY, FL 33043-6021
Document Number	0032292261
Book / Page	3229 / 2261
Map Reference	MB 4 PG 158
Instrument Date	Jun 9, 2023
Instrument	2421651
Transaction Type	Transfer
Record Updated	Jul 4, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,760.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4690 SW 121ST TER, OCALA, FL 34481-4230

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	29039 PALMETTO DR, BIG PINE KEY, FL 33043-6021

Mortgage

Document Number	0032292263
Date	Jun 13, 2023
Instrument	3229/2263

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	29039 PALMETTO DR, BIG PINE KEY, FL 33043-6021
Document Number	0029111498
Instrument Date	Apr 9, 2018
Transaction Type	Mortgage
Record Updated	Jul 17, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29039 PALMETTO DR BIG PINE KEY FL 330436021, BIG PINE KEY, FL 33043-6021

Mortgage

Document Number	0029111498
Date	Jun 14, 2018
Book Page	002911/001498
Instrument	2173397

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 13, 2048

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		$626,549 Land $399,228 Building $227,321	$626,549 Land $399,228 Building $227,321
2024	$5,748.00 (+55.52%)
2023	$3,696.00 (+2.7%) Homeowner's exemption	$387,596 (+3%)	$636,066 (+19.16%) Land $405,450 Building $230,616
2022	$3,599.00 Homeowner's exemption	$376,307	$533,774 Land $308,550 Building $225,224

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

Flood

FEMA maps place 29039 Palmetto Dr 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 522 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	522 in force
Nearby Flood Claims	852 (1979–2017)
Most Recent Claim	Oct 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

Wildfire risk around 29039 Palmetto Dr 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Hotwire Communications.

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