Monroe County property record for 3607 Tropic St, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 912 sqft · built 1985 |
| Lot Size | 0.143 acres (6,213 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $7,567,857 (Jul 2020) |
| Tax Bill | $3,194 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jul 2020 Sale & Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | 00296100-000000 |
| Primary APN | 00296100-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wood |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,213 sqft (0.143 acres) |
| Garage Type | Covered |
| Garage Area | 840 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 288 sqft |
| Deck Area | 200 sqft |
| Patio Area | 200 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1368253 |
|---|---|
| Street Address | 3607 TROPIC ST |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-6144 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ACCC |
| Legal Description | BK 67 LT 1 PORT PINE HEIGHTS 2ND ADD BIG PINE KEY PB4-167 OR826-1353 OR826-1354 OR915-2178 OR1141-88F/J OR1241-365D/C OR1242-139/146 PROB93-11-CP-10 OR1262-1239/40PR OR1264-2337/38AFF OR1265-1125/29 OR1335-276/77 OR1866-1014D/C OR1866-1016/17 OR2420- |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 04 |
| Legal Subdivision | PORT PINE HEIGHTS 2ND ADD |
| Legal Block | 67 |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 971402 |
3607 Tropic St is owned and occupied by two individuals who bought it in July 2020.
Source: Monroe County records, as of June 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3607 TROPIC ST, BIG PINE KEY, FL 33043-6144 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 2, 2026 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CREDIT UNION |
| Jul 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage IBERIABANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2020 · Amount on File |
| Deed Sale | Jul 13, 2020 · Amount on File |
| Prior Sale | Mar 13, 2003 · Amount on File |
| Deed Document Number | 20202272819 |
| Deed Book / Page | 3031 / 1182 |
| Prior Transfer Date | Jun 14, 1993 |
| Prior Transfer Doc | 1262001239 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 2, 2026 |
| Property Address | 3607 TROPIC ST, BIG PINE KEY, FL 33043-6144 |
| Document Number | 0002545720 |
| Book / Page | 3383 / 2464 |
| Instrument Date | May 22, 2026 |
| Instrument | 20262545720 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3607 TROPIC ST, BIG PINE KEY, FL 33043-6144 |
| Document Number | 0002545720, |
|---|---|
| Date | Jun 2, 2026 |
| Book Page | 3383/2464 |
| Instrument | 20262545720 |
| Name | SPACE COAST CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 13, 2020 |
| Property Address | 3607 TROPIC ST, BIG PINE KEY, FL 33043-6144 |
| Document Number | 0030311182 |
| Book / Page | 003031 / 001182 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 2272819 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2020 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3607 TROPIC ST BIG PINE KEY FL 330436144, BIG PINE KEY, FL 33043-6144 |
| Document Number | 30311188 |
|---|---|
| Date | Jul 13, 2020 |
| Book Page | 003031/001188 |
| Instrument | 2272822 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 12, 2050 |
The 2025 property tax bill for 3607 Tropic St was $3,194 with exemptions applied, up 5.8% from the year before.
Source: Monroe County assessment roll, as of December 8, 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 | $3,194.00 (+5.76%) Homeowner's exemption Disabled Person's exemption Widower's exemption | $354,831 | $450,713 Land $240,816 Building $209,897 |
| 2024 | $3,020.00 (+5.82%) | ||
| 2023 | $2,854.00 (+0.32%) | $334,788 (+3%) | $568,083 (+21.52%) Land $404,000 Building $164,083 |
| 2022 | $2,845.00 | $325,037 | $467,462 Land $301,020 Building $166,442 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3607 Tropic St in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 522 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 522 in force |
| Nearby Flood Claims | 852 (1979–2017) |
| Most Recent Claim | Oct 2017 · Hurricane Irma |
| 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.
Wildfire risk around 3607 Tropic St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fiber | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures