Monroe County property record for 29165 Clover Ln, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,476 sqft · built 2008 |
| Lot Size | 0.157 acres (6,855 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,250,000 (Oct 2026) |
| Tax Bill | $6,011 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00269920-000000 |
| Primary APN | 00269920-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,476 sqft Living Area |
| 1st Floor Area | 2,112 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Mixed |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 6,855 sqft (0.157 acres) |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 372 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 1,215 sqft |
| Deck Area | 448 sqft |
| Patio Area | 1,397 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1341550 |
|---|---|
| Street Address | 29165 CLOVER LN |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-6046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 7 LT 5 EDEN PINES COLONY 1ST ADD BIG PINE KEY PB5-26 OR292-15 OR1144-1581/82P/R OR1132-2004D/C OR1436-73 OR1888-1077 OR2824-933/34 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 22 |
| Legal Subdivision | EDEN PINES COLONY 1ST ADD |
| Legal Block | 7 |
| Legal Lot Number | 5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 971402 |
Source: Monroe County records, as of October 13, 2026
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 | 29165 CLOVER LN, BIG PINE KEY, FL 33043-6046 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| Mar 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 24, 2019 | Deed of Trust, Mortgage · Line of Credit GEORGIA'S OWN CU |
| Aug 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on Record |
| Deed Sale | Oct 1, 2026 · Amount on Record |
| Prior Sale | Nov 4, 2016 · Amount on Record |
| Deed Document Number | 20262562507 |
| Deed Book / Page | 3405 / 3 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 1, 2026 |
| Property Address | 29165 CLOVER LN, BIG PINE KEY, FL 33043-6046 |
| Document Number | 0002562507 |
| Book / Page | 3405 / 3 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 20262562507 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $883,750.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 29165 CLOVER LN, BIG PINE KEY, FL 33043-6046 |
| Document Number | 0002562508, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 20262562508 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 29165 CLOVER LN, BIG PINE KEY, FL 33043-6046 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0031601921 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 3160/1921 |
| Instrument | 2365711 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 29165 CLOVER LN, BIG PINE KEY, FL 33043-6046 |
| Document Number | 0029930034 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 29165 CLOVER LN BIG PINE KEY FL 330436046, BIG PINE KEY, FL 33043-6046 |
| Document Number | 0029930034 |
|---|---|
| Date | Nov 4, 2019 |
| Book Page | 002993/000034 |
| Instrument | 2243269 |
| Name | GEORGIA'S OWN CU |
|---|---|
| Type | Credit Union |
| Address | ATLANTA, GA 30348 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 3, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 29165 CLOVER LN, BIG PINE KEY, FL 33043-6046 |
| Document Number | 0029821341 |
| Instrument Date | Aug 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 29165 CLOVER LN BIG PINE KEY FL 330436046, BIG PINE KEY, FL 33043-6046 |
| Document Number | 0029821341 |
|---|---|
| Date | Aug 29, 2019 |
| Book Page | 002982/001341 |
| Instrument | 2234764 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 28, 2049 |
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 | $6,011.00 (+5.6%) | $670,794 (+5.99%) | $1,007,613 (+5.68%) Land $557,346 Building $450,267 |
| 2024 | $5,692.00 (+4.23%) | ||
| 2023 | $5,461.00 (+2.84%) Homeowner's exemption | $632,903 (+3%) | $953,419 (+16.86%) Land $515,804 Building $437,615 |
| 2022 | $5,310.00 Homeowner's exemption | $614,469 | $815,838 Land $373,872 Building $441,966 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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 |
|
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.
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.
Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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