29428 Independence Ave, Big Pine Key, FL 33043 Property Records

Monroe County property record for 29428 Independence Ave, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,840 sqft · built 1992
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$850,000 (Sep 2021)
Tax Bill	$8,078 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00249000-000000`

Property Details

APN / Parcel Number

Primary APN	`00249000-000000`
Alternative APNs	`27662900249000000000` `1318612`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,840 sqft Living Area
1st Floor Area	1,840 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	16 sqft
Deck Area	72 sqft
Patio Area	306 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1318612
Old Parcel Number	27662900249000000000
Street Address	29428 INDEPENDENCE AVE
City	BIG PINE KEY
State	FL
Zip	33043-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 5 LT 18 PINE CHANNEL EST SEC TWO BIG PINE KEY PB6-2 OR488-1068 OR782-1278 OR897-659 OR1167-1600 OR1372-1190 OR2623-570
Legal Range	29E
Legal Township	66S
Legal Section	27
Legal Subdivision	PINE CHANNEL ESTATE SEC 2
Legal Block	5
Legal Lot Number	18
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2031
Census Tract	971401

Owner

29428 Independence Ave is owned by an individual who bought it in September 2021.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2505 ALHAMBRA CIR, CORAL GABLES, FL 33134-2177
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2021 · Amount on File
Deed Sale	Sep 29, 2021 · Amount on File
Prior Sale	Oct 5, 1995 · Amount on File
Deed Document Number	2341996
Deed Book / Page	3128 / 1776
Record Updated	Jun 8, 2026

September 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	MONROE FL
Recording Date	Sep 29, 2021
Property Address	29428 INDEPENDENCE AVE, BIG PINE KEY, FL 33043-3217
Document Number	0031281776
Book / Page	3128 / 1776
Map Reference	MB 6 PG 2
Instrument Date	Sep 24, 2021
Instrument	2341996
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	NOT AVAILABLE, THE CLOSING DEPARTMENT INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2505 ALHAMBRA CIR, CORAL GABLES, FL 33134-2177

Mortgage

Document Number	0031281778
Date	Sep 29, 2021
Instrument	3128/1778

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$1,030,543 Land $693,750 Building $336,793	$1,030,543 Land $693,750 Building $336,793
2024	$8,078.00 (-0.39%)
2023	$8,110.00 (+11.23%)	$907,862 (+17.89%) Land $600,000 Building $307,862	$907,862 (+17.89%) Land $600,000 Building $307,862
2022	$7,291.00	$770,084 Land $457,500 Building $312,584	$770,084 Land $457,500 Building $312,584

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

Flood

FEMA maps place 29428 Independence Ave 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 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

Wildfire risk around 29428 Independence Ave 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 99.8% of the US · lower than 99.7% 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 86 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