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30384 Cardinal Ln, Big Pine Key, FL 33043 Property Records

Monroe County property record for 30384 Cardinal Ln, Big Pine Key, FL 33043

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 2,039 sqft · built 1983
Lot Size0.227 acres (9,873 sqft)
Owner2 Individual Names on File
Last Sale$7,722,857 (Jun 2020)
Tax Bill$6,605 (2025)
Deeds & MortgagesJul 2026 Mortgage
Jun 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN00313460-000000

Property Details

APN / Parcel Number

Primary APN00313460-000000
Alternative APNs
  • 14662900313460000000
  • 1386987

Interior

Bedrooms2 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,039 sqft Living Area
Gross Area2,375 sqft
1st Floor Area2,039 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 2016
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area9,873 sqft (0.227 acres)
View / LotCanal
Garage TypeAttached
Garage Area336 sqft

Exterior Amenities

PorchFlorida Room
Porch Area570 sqft
Deck Area700 sqft
Patio Area760 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1386987
Street Address30384 CARDINAL LN
CityBIG PINE KEY
StateFL
Zip33043-5122
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 3 LT 4 TROPICAL BAY 3RD ADDN PB5-81 BIG PINE KEY OR437-711 OR825-1911 OR860-2278 OR876-745 OR1578-1199 OR2064-1347/69F/J OR2122-1158/59 OR2946-2409 OR3028-2377
Legal Range29E
Legal Township66S
Legal Section14
Legal SubdivisionTROPICAL BAY ADD NO 3
Legal Block3
Legal Lot Number4
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1084
Census Tract971402

Owner

30384 Cardinal Ln is owned and occupied by two individuals who bought it in June 2020.

Source: Monroe County records, as of July 24, 2026

Owner of Record2 Individual Names on File
Mailing Address30384 CARDINAL LN, BIG PINE KEY, FL 33043-5122
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jul 16, 2026Deed of Trust, Mortgage · Conventional Mortgage
HOMEOWNERSHIP CENTER
Jun 26, 2020Warranty Deed, Transfer · Conventional Mortgage
KEYS FCU
Jan 31, 2019Warranty Deed, Transfer
TRUE TITLE, TRUETITLE AGENCY INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 26, 2020 · Amount on File
Deed SaleJun 26, 2020 · Amount on File
Prior SaleJan 31, 2019 · Amount on File
Deed Document Number20202271089
Deed Book / Page3028 / 2377
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Recording DateJul 16, 2026
Property Address30384 CARDINAL LN, BIG PINE KEY, FL 33043-5122
Document Number0002552119
Book / Page3392 / 1273
Instrument DateJul 11, 2026
Instrument20262552119
Transaction TypeMortgage
Record UpdatedJul 24, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address30384 CARDINAL LN, BIG PINE KEY, FL 33043-5122

Mortgage

Document Number0002552119,
DateJul 16, 2026
Book Page3392/1273
Instrument20262552119
Lender
NameHOMEOWNERSHIP CENTER
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
Interest
Rate6.52%
Max Rate-1%

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJun 26, 2020
Property Address30384 CARDINAL LN, BIG PINE KEY, FL 33043-5122
Document Number0030282377
Book / Page3028 / 2377
Map ReferenceMB 5 PG 81
Instrument DateJun 26, 2020
Instrument2271089
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyTRUE TITLE FLORIDA KEYS INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,060.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9425 ROYAL ESTATES BLVD, 9425, ORLANDO, FL 32836-8897

Transferred To (Grantee/Buyer)

NameVerified Name
Address30384 CARDINAL LN, BIG PINE KEY, FL 33043-5122

Mortgage

Document Number0030282379
DateJun 26, 2020
Instrument3028/2379
Lender
NameKEYS FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2050

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 31, 2019
Property Address30384 CARDINAL LN, BIG PINE KEY, FL 33043-5122
Document Number0029462409
Book / Page002946 / 002409
Instrument DateJan 30, 2019
Instrument2203987
Transaction TypeTransfer
Record UpdatedFeb 22, 2019
Title CompanyTRUE TITLE, TRUETITLE AGENCY INC

Transaction

AmountAmount on Record
Tax$1,250.70
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address9425 ROYAL ESTATES BLVD ORLANDO FL 328368897, ORLANDO, FL 32836-8897

Tax Assessment & Valuation

The 2025 property tax bill for 30384 Cardinal Ln was $6,605, up 5.8% from the year before.

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,605.00 (+5.78%)$716,638 Land $415,406 Building $301,232$716,638 Land $415,406 Building $301,232
2024$6,244.00 (+4.38%)
2023$5,982.00 (+14.47%)$815,697 (+25.4%) Land $528,699 Building $286,998$815,697 (+25.4%) Land $528,699 Building $286,998
2022$5,226.00$650,455 Land $358,760 Building $291,695$650,455 Land $358,760 Building $291,695

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

Flood

FEMA maps place 30384 Cardinal Ln 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 522 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies522 in force
Nearby Flood Claims852 (1979–2017)
Most Recent ClaimOct 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 308 claims
  • Hurricane Wilma, Nov 2005 · 306 claims
  • Hurricane Georges, Oct 1998 · 211 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 30384 Cardinal Ln 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 78 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
AT&T
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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