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31521 Warner St, Big Pine Key, FL 33043 Property Records

Monroe County property record for 31521 Warner St, Big Pine Key, FL 33043

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,118 sqft · built 1981
Lot Size0.583 acres (25,415 sqft)
Owner2 Individual Names on Record
Last Sale$586,300 (Feb 2017)
Tax Bill$7,115 (2024)
Deeds & MortgagesAug 2019 Loan Modification
Feb 2018 Loan Modification
+ 2 more
Flood ZoneZone VE (high risk)
APN00110570-000000

Property Details

APN / Parcel Number

Primary APN00110570-000000
Alternative APNs
  • 25662900110570000000
  • 1130982

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,118 sqft Living Area
1st Floor Area1,118 sqft
Basement Area434 sqft
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 2011
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable
Roof MaterialMetal
Lot Area25,415 sqft (0.583 acres)
View / LotWaterfront
Garage TypeCovered
Garage Area650 sqft

Exterior Amenities

PorchOpen Porch
Porch Area1,002 sqft
Deck Area1,356 sqft
Patio Area2,174 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1130982
Street Address31521 WARNER ST
CityBIG PINE KEY
StateFL
Zip33043-3415
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR
Legal Description25 66 29 BIG PINE KEY PT GOVT LT 4 AND BAY BOTTOM ADJ PT GOVT LOT 4 OR319-340/41 OR973-600D/C OR996-574(II DEED 23995) OR1061-755 OR1061-756/57 OR1632-1270/71 OR1953-131AFF OR1953-133/35 OR2504-510/511 OR2738-1966D/C OR2839-1534/36
Legal Range29E
Legal Township66S
Legal Section25
Legal SubdivisionBIG PINE KEY
Legal Lot Number4
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group2
Census Block2069
Census Tract971401

Owner

Source: Monroe County records, as of December 8, 2025

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 Record2 Individual Names on Record
Mailing Address31521 WARNER ST, BIG PINE KEY, FL 33043-3415
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 28, 2019Loan Modification, Mortgage · Conventional Mortgage
SUNSET BAY LLC
Feb 15, 2018Loan Modification, Mortgage · Conventional Mortgage
SUNSET BAY LLC
Feb 1, 2017Loan Modification, Mortgage · Conventional with PMI
SUNSET BAY LLC
Feb 16, 2017Quit Claim Deed, Transfer · Conventional Mortgage
PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 16, 2017 · Amount on Record
Deed SaleFeb 16, 2017 · Amount on Record
Prior SaleFeb 10, 2011 · Amount on Record
Deed Document Number20172110735
Deed Book / Page2839 / 1534
Prior Transfer DateJan 21, 2016
Prior Transfer Doc0028391534
Record UpdatedOct 29, 2026

August 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address31521 WARNER ST, BIG PINE KEY, FL 33043-3415
Document Number0029860255
Instrument DateAug 28, 2019
Transaction TypeMortgage
Record UpdatedOct 25, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address31521 WARNER ST BIG PINE KEY FL 330433415, BIG PINE KEY, FL 33043-3415

Mortgage

Document Number0029860255
DateSep 24, 2019
Book Page002986/000255
Instrument2237848
Lender
NameSUNSET BAY LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term12 Months
DueSep 23, 2020

February 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address31521 WARNER ST, BIG PINE KEY, FL 33043-3415
Document Number0028991030
Instrument DateFeb 15, 2018
Transaction TypeMortgage
Record UpdatedMay 23, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address1521 WARNER ST BIG PINE KEY FL 33043, BIG PINE KEY, FL 33043

Mortgage

Document Number0028991030
DateApr 4, 2018
Book Page002899/001030
Instrument2162593
Lender
NameSUNSET BAY LLC
Address8 SHORE DR, KEY WEST, FL 33040-6120
Agreement
TypeConventional Mortgage
AmountAmount Recorded

February 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address31521 WARNER ST, BIG PINE KEY, FL 33043-3415
Document Number0028391537
Instrument DateFeb 1, 2017
Transaction TypeMortgage
Record UpdatedApr 25, 2017
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address31521 WARNER ST BIG PINE KEY FL 330433415, BIG PINE KEY, FL 33043-3415

Mortgage

Document Number0028391537
DateFeb 16, 2017
Book Page002839/001537
Instrument2110736
Lender
NameSUNSET BAY LLC
Address8 SHORE DR, KEY WEST, FL 33040-6120
Agreement
TypeConventional with PMI
AmountAmount Recorded

February 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateFeb 16, 2017
Property Address31521 WARNER ST, BIG PINE KEY, FL 33043-3415
Document Number0028391534
Book / Page002839 / 001534
Instrument DateJan 21, 2016
Instrument2110735
Transaction TypeTransfer
Record UpdatedNov 16, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,104.10
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address31521 WARNER ST BIG PINE KEY FL 330433415, BIG PINE KEY, FL 33043-3415

Mortgage

Document Number28391517
DateFeb 16, 2017
Book Page002839/001517
Instrument2110734
Lender
NamePRIVATE INDIVIDUAL
TypePrivate Party
Address148 HAMMOND DR, SANDY SPRINGS, GA 30328-4806
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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$1,127,112 (+1.88%) Land $831,113 Building $295,999$1,127,112 (+1.88%) Land $831,113 Building $295,999
2024$7,115.00 (+5.49%)
2023$6,745.00 (+10.57%)$1,106,271 (+15.35%) Land $831,113 Building $275,158$1,106,271 (+15.35%) Land $831,113 Building $275,158
2022$6,100.00$959,071 Land $734,154 Building $224,917$959,071 Land $734,154 Building $224,917

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 ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 690 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies690 in force
Nearby Flood Claims982 (1980–2022)
Claims Outside the SFHA2 of 982
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 418 claims
  • Hurricane Wilma, Oct 2005 · 219 claims
  • Hurricane Georges, Sep 1998 · 315 claims

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources SystemYes
UnitFL-50 “No Name Key”
Unit TypeSystem Unit
DesignatedNov 16, 1990
NFIP EligibilityEligible (built 1981)
built before the Nov 16, 1990 cutoff

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 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 8 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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