Monroe County property record for 29981 Pine Channel Rd, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 912 sqft · built 1989 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $49,000 (Sep 2002) |
| Tax Bill | $2,185 (2024) |
| Deeds & Mortgages | Aug 2021 Reverse Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00246221-000400 |
| Primary APN | 00246221-000400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Masonry |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
| Porch | Open Porch |
| Porch Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1314170 |
|---|---|
| Old Parcel Number | 26662900246221000400 |
| Street Address | 29981 PINE CHANNEL RD |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-3346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1 LT 4 PINE KEY YACHT CLUB ESTATES PB6-98 BIG PINE KEY OR531-183 OR560-871 OR564-68 OR658-207 OR668-58Q OR838-1049 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 26 |
| Legal Subdivision | PINE KEY YACHT CLUB ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 3-4 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 971401 |
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 29981 PINE CHANNEL RD, BIG PINE KEY, FL 33043-3346 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Aug 12, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Apr 25, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2002 · Amount on Record |
| Deed Sale | Sep 10, 2002 · Amount on Record |
| Prior Sale | Sep 10, 2002 · Amount on Record |
| Deed Document Number | 0181301829 |
| Deed Book / Page | 01813 / 01829 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 29981 PINE CHANNEL RD, BIG PINE KEY, FL 33043-3346 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 29981 PINE CHANNEL RD, BIG PINE KEY, FL 33043-3346 |
| Document Number | 0031182165 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 3118/2165 |
| Instrument | 2334693 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Change Frequency | Annually |
| Min Rate At Change | 2.37% |
| Max Rate At Change | 7.37% |
| Index | 1-Year CMT |
| Max Rate | 7.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 29981 PINE CHANNEL RD, BIG PINE KEY, FL 33043-3346 |
| Document Number | 0028642408 |
| Book / Page | 002864 / 002408 |
| Instrument Date | Apr 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2017 |
| Name | Verified Name |
|---|---|
| Address | 29981 PINE CHANNEL RD BIG PINE KEY FL 330433346, BIG PINE KEY, FL 33043-3346 |
| Document Number | 0028642408 |
|---|---|
| Date | Jul 18, 2017 |
| Book Page | 002864/002408 |
| Instrument | 2131642 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | KEY WEST, FL 33040 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 17, 2027 |
Source: Monroe County assessment roll, as of July 1, 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 | $209,835 (+5.99%) | $394,898 (-3.11%) Land $238,680 Building $156,218 | |
| 2024 | $2,185.00 (+6.64%) | ||
| 2023 | $2,049.00 (+0.84%) Senior Citizen's exemption | $197,983 (+3%) | $407,555 (+4.49%) Land $263,160 Building $144,395 |
| 2022 | $2,032.00 Senior Citizen's exemption | $192,217 | $390,038 Land $241,740 Building $148,298 |
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 | 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 |
|
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 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 83 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 |
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