31675 Warner St, Big Pine Key, FL 33043 Property Records

Monroe County property record for 31675 Warner St, Big Pine Key, FL 33043

Property Summary

Property Type	Residential Vacant Land
Details	3 bd · 2 ba · 1,815 sqft · built 1970
Lot Size	1 acres (43,845 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Jun 2010)
Tax Bill	$881 (2024)
Deeds & Mortgages	Jan 2023 Construction Loan Jan 2023 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00110660-000000`

Property Details

APN / Parcel Number

Primary APN	`00110660-000000`
Alternative APNs	`25662900110660000000` `1131075`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,815 sqft
1st Floor Area	1,815 sqft

Exterior

Year Built	Built 1970
Exterior Material	Stucco
Lot Area	43,845 sqft (1 acres)

Exterior Amenities

Porch	Porch
Porch Area	1,134 sqft
Deck Area	342 sqft
Patio Area	1,462 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1131075
Old Parcel Number	25662900110660000000
Street Address	31675 WARNER ST
City	BIG PINE KEY
State	FL
Zip	33043-3418
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	25 66 29 BIG PINE KEY PT LOT 4 AND ISLAND ADJ THERETO OR552-818 OR918-2332/2333 OR977-749/750 OR1074-655/656
Legal Range	29E
Legal Township	66S
Legal Section	25
Legal Subdivision	BIG PINE KEY
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2059
Census Tract	971401

Owner

Source: Monroe County records · APN 00110660-000000

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	PO BOX 430397, BIG PINE KEY, FL 33043-0397
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRST STATE BANK OF THE FLORIDA KEYS
Jan 03, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEYS
Oct 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Jan 19, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 04, 2010 · Amount on Record
Deed Sale	Jun 04, 2010 · Amount on Record
Prior Sale	Mar 12, 2010
Deed Document Number	1792309
Deed Book / Page	2468 / 1853
Record Updated	Jun 08, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	31675 WARNER ST, BIG PINE KEY, FL 33043-3418
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 430397, BIG PINE KEY, FL 33043-0397

Mortgage

Document Number	0032071935
Date	Jan 10, 2023
Book Page	3207/1935
Instrument	2402930

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jan 01, 2031
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year T-Bill
Max Rate	11.8%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	31675 WARNER ST, BIG PINE KEY, FL 33043-3418
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 430397, BIG PINE KEY, FL 33043-0397

Mortgage

Document Number	0032062381
Date	Jan 03, 2023
Book Page	3206/2381
Instrument	2402306

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jan 01, 2031
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year T-Bill
Max Rate	11.8%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	31675 WARNER ST, BIG PINE KEY, FL 33043-3418
Document Number	0028771604
Book / Page	002877 / 001604
Instrument Date	Oct 21, 2017
Transaction Type	Mortgage
Record Updated	Nov 29, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 430397 BIG PINE KEY FL 330430397, BIG PINE KEY, FL 33043-0397

Mortgage

Document Number	0028771604
Date	Nov 02, 2017
Book Page	002877/001604
Instrument	2142097

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	31675 WARNER ST, BIG PINE KEY, FL 33043-3418
Document Number	0028371095
Book / Page	002837 / 001095
Instrument Date	Jan 19, 2017
Transaction Type	Mortgage
Record Updated	Mar 15, 2017
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31675 WARNER ST BIG PINE KEY FL 330433418, BIG PINE KEY, FL 33043-3418

Mortgage

Document Number	0028371095
Date	Feb 02, 2017
Book Page	002837/001095
Instrument	2109013

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 01, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$112,415 (+5.99%)	$517,548 (-) Land $505,786 Building $11,762
2024	$881.00 (+2.8%)
2023	$857.00 (+2.88%) Homeowner's exemption	$106,066 (+3%)	$517,548 (+8.87%) Land $505,786 Building $11,762
2022	$833.00 Homeowner's exemption	$102,977	$475,399 Land $463,637 Building $11,762

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 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

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 8 locations within half a mile of this property.

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