29663 Saratoga Ave, Big Pine Key, FL 33043 Property Records

Monroe County property record for 29663 Saratoga Ave, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,096 sqft · built 2023
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$1,270,000 (Oct 2026)
Tax Bill	$8,440 (2025)
Deeds & Mortgages	Oct 2026 Sale Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00250280-000000`

Property Details

APN / Parcel Number

Primary APN	`00250280-000000`
Alternative APNs	`27662900250280000000` `1319902`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,096 sqft Living Area
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Mixed
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
View / Lot	Canal
Garage Type	Covered
Garage Area	910 sqft
Porch	Slab

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1319902
Street Address	29663 SARATOGA AVE
City	BIG PINE KEY
State	FL
Zip	33043-3206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 7 LT 49 PINE CHANNEL EST SEC TWO BIG PINE KEY PB6-2 OR812-642 OR812-644 OR816-234 OR869-1273 OR870-393 OR870-2392 OR2061-2476D/C OR2156-945 OR3199-1804 OR3233-0784
Legal Range	29E
Legal Township	66S
Legal Section	27
Legal Subdivision	PINE CHANNEL ESTATE SEC 2
Legal Block	7
Legal Lot Number	49
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2026
Census Tract	971401

Owner

Source: Monroe County records, as of October 15, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	29663 SARATOGA AVE, BIG PINE KEY, FL 33043-3206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 10, 2023	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Oct 31, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2026 · Amount on Record
Deed Sale	Oct 6, 2026 · Amount on Record
Prior Sale	Jul 10, 2023 · Amount on Record
Deed Document Number	20262562907
Deed Book / Page	3405 / 1397
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 6, 2026
Property Address	29663 SARATOGA AVE, BIG PINE KEY, FL 33043-3206
Document Number	0002562907
Book / Page	3405 / 1397
Instrument Date	Oct 5, 2026
Instrument	20262562907
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$897,890.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29663 SARATOGA AVE, BIG PINE KEY, FL 33043-3206

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 10, 2023
Property Address	29663 SARATOGA AVE, BIG PINE KEY, FL 33043-3206
Document Number	0032330784
Book / Page	3233 / 784
Map Reference	MB 6 PG 2
Instrument Date	Jun 30, 2023
Instrument	2424238
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19158 PELICO RD, SUMMERLAND KEY, FL 33042-3211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29663 SARATOGA AVE, BIG PINE KEY, FL 33043-3206

Mortgage

Document Number	0003233787
Date	Jul 10, 2023
Instrument	3233/787

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 31, 2022
Property Address	29663 SARATOGA AVE, BIG PINE KEY, FL 33043-3206
Document Number	0031991804
Book / Page	3199 / 1804
Map Reference	MB 6 PG 2
Instrument Date	Oct 25, 2022
Instrument	2396087
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11944 SW 99TH TER, MIAMI, FL 33186-2631

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19158 PELICO RD, RAMROD KEY, FL 33042-3211

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	$8,440.00 (+5.58%)	$951,850 (+136.12%)	$1,084,034 (+168.91%) Land $693,750 Building $390,284
2024	$7,994.00 (+134.43%)
2023	$3,410.00 (+184.4%)	$403,125 (+115%) Land $403,125	$403,125 (+115%) Land $403,125
2022	$1,199.00	$187,500 Land $187,500	$187,500 Land $187,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Low lower than 99.1% of the US · lower than 98.7% 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 334 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

May also be available: Hotwire Communications.

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