30378 Palm Dr, Big Pine Key, FL 33043 Property Records

Monroe County property record for 30378 Palm Dr, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1968
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Jun 2023)
Tax Bill	$3,395 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00280330-000000`

Property Details

APN / Parcel Number

Primary APN	`00280330-000000`
Alternative APNs	`23662900280330000000` `1352314`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Covered
Garage Area	240 sqft
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1352314
Street Address	30378 PALM DR
City	BIG PINE KEY
State	FL
Zip	33043-4744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 15 LOT 2 PALM VILLA BIG PINE KEY PB1-89 OR291-389 OR486-572 OR658-615 OR667-41 OR783-600 OR1052-217 OR1168-866 OR1441-1864 OR1558-2288 OR2234-1417 OR2399-491 OR2441-2078 OR2461-891 OR2913-2425 OR3136-0613 OR3232-0358
Legal Range	29E
Legal Township	66S
Legal Section	23
Legal Subdivision	PALM VILLA
Legal Block	15
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2009
Census Tract	971401

Owner

30378 Palm Dr is owned and occupied by two individuals who bought it in June 2023.

Source: Monroe County records, as of October 19, 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	2 Individual Names on File
Mailing Address	30378 PALM DR, BIG PINE KEY, FL 33043-4744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK
Nov 8, 2021	Warranty Deed, Transfer · Loan Assumption FLAGSTAR BANK FSB
Jun 26, 2018	Warranty Deed, Transfer · FHA Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2023 · Amount on File
Deed Sale	Jun 28, 2023 · Amount on File
Prior Sale	Jun 26, 2018 · Amount on File
Deed Document Number	20232423356
Deed Book / Page	3232 / 358
Prior Transfer Date	Nov 23, 2009
Prior Transfer Doc	0024412078
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 28, 2023
Property Address	30378 PALM DR, BIG PINE KEY, FL 33043-4744
Document Number	0032320358
Book / Page	3232 / 358
Map Reference	MB 1 PG 89
Instrument Date	Jun 23, 2023
Instrument	2423356
Transaction Type	Transfer
Record Updated	Jul 20, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30378 PALM DR, BIG PINE KEY, FL 33043-4744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3038 PALM DR, BIG PINE KEY, FL 33043

Mortgage

Document Number	0003232360
Date	Jun 28, 2023
Instrument	3232/360

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 8, 2021
Property Address	30378 PALM DR, BIG PINE KEY, FL 33043-4744
Document Number	0031360613
Book / Page	3136 / 613
Map Reference	MB 1 PG 89
Instrument Date	Nov 5, 2021
Instrument	2347557
Transaction Type	Transfer
Record Updated	Nov 26, 2021
Title Company	LEADERS TITLE, LENDERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30378 PALM DR, SUMMERLAND KEY, FL 33043-4744

Mortgage

Document Number	3136615
Date	Nov 8, 2021
Instrument	3136/615

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Loan Assumption
Amount	Amount on Record

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 26, 2018
Property Address	30378 PALM DR, BIG PINE KEY, FL 33043-4744
Document Number	0029132425
Book / Page	2913 / 2425
Map Reference	MB1 PG89
Instrument Date	Jun 21, 2018
Instrument	2175454
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30378 PALM DR, 30378, BIG PINE KEY, FL 33043-4744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1201 OLIVIA ST APT 3, 3, KEY WEST, FL 33040-7205

Mortgage

Document Number	0002175456
Date	Jun 26, 2018
Instrument	2175456

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 30378 Palm Dr was $3,395, down 10.5% from the year before.

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	$3,395.00 (-10.47%)	$326,141 Land $200,000 Building $126,141	$326,141 Land $200,000 Building $126,141
2024	$3,792.00 (+31.39%)
2023	$2,886.00 (+12.87%)	$326,602 (+25.19%) Land $212,500 Building $114,102	$326,602 (+25.19%) Land $212,500 Building $114,102
2022	$2,557.00	$260,883 Land $139,063 Building $121,820	$260,883 Land $139,063 Building $121,820

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

Flood

FEMA maps place 30378 Palm Dr 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 30378 Palm Dr 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 99.1% of the US · lower than 98.7% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 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

May also be available: T-Mobile.

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