29858 Harbor Lights Rd, Big Pine Key, FL 33043 Property Records

Monroe County property record for 29858 Harbor Lights Rd, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 960 sqft · built 1990
Lot Size	0.15 acres (6,525 sqft)
Owner	Company Name on Record
Tax Bill	$1,993 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Nov 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00250591-006600`

Property Details

APN / Parcel Number

Primary APN	`00250591-006600`
Alternative APNs	`27662900250591006600` `1320889`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Attic	Attic
Attic Area	432 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,525 sqft (0.15 acres)
Garage Type	Covered
Garage Area	240 sqft
Porch	Slab
Porch Area	855 sqft
Patio Area	865 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1320889
Street Address	29858 HARBOR LIGHTS RD
City	BIG PINE KEY
State	FL
Zip	33043-3138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 3 LT 10 TROPICAL KEY COLONY BIG PINE KEY PB6-99 OR576-595 OR845-1132 OR916-562/563 OR982-845/46 OR1085-2190 OR2894-2313 OR3058-2050 OR3058-2073
Legal Range	29E
Legal Township	66S
Legal Section	27
Legal Subdivision	TROPICAL KEY COLONY
Legal Block	3
Legal Lot Number	10
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2030
Census Tract	971401

Owner

Source: Monroe County records, as of May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	29858 HARBOR LIGHTS RD, BIG PINE KEY, FL 33043-3138
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2019	Deed of Trust, Mortgage · Line of Credit KEYS FCU
Nov 24, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Nov 24, 2020	Quit Claim Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS
Mar 7, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 23, 2020
Transfer Doc	0030582073
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	29858 HARBOR LIGHTS RD, BIG PINE KEY, FL 33043-3138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029900743
Date	Oct 21, 2019
Book Page	2990/0743
Instrument	2241139

Lender

Name	KEYS FCU
Type	Credit Union
Address	KEY WEST, FL 33040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	216 Months
Due	Oct 20, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Nov 24, 2020
Property Address	29858 HARBOR LIGHTS RD, BIG PINE KEY, FL 33043-3138
Document Number	0030582050
Book / Page	3058 / 2050
Map Reference	MB 6 PG 99
Instrument Date	Oct 23, 2020
Instrument	2292285
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29858 HARBOR LIGHTS RD, BIG PINE KEY, FL 33043-3138

Mortgage

Document Number	0030582054
Date	Nov 24, 2020
Instrument	3058/2054

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Nov 24, 2020
Property Address	29858 HARBOR LIGHTS RD, BIG PINE KEY, FL 33043-3138
Document Number	0030582073
Book / Page	003058 / 002073
Instrument Date	Oct 23, 2020
Instrument	2292287
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	29858 HARBOR LIGHTS RD BIG PINE KEY FL 330433138, BIG PINE KEY, FL 33043-3138

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Mar 7, 2018
Property Address	29858 HARBOR LIGHTS RD, BIG PINE KEY, FL 33043-3138
Document Number	0028942313
Book / Page	002894 / 002313
Instrument Date	Feb 23, 2018
Instrument	2158389
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	29858 HARBOR LIGHTS RD BIG PINE KEY FL 330433138, BIG PINE KEY, FL 33043-3138

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	$1,993.00 (+4.84%) Homeowner's exemption	$169,986 (+5.99%)	$529,086 (+2.63%) Land $358,875 Building $170,211
2024	$1,901.00 (+7.22%)
2023	$1,773.00 (+2.66%) Homeowner's exemption	$160,385 (+3%)	$515,533 (+27.35%) Land $358,875 Building $156,658
2022	$1,727.00 Homeowner's exemption	$155,714	$404,829 Land $247,950 Building $156,879

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 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 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 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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