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3686 Gulfstream St, Big Pine Key, FL 33043 Property Records

Monroe County property record for 3686 Gulfstream St, Big Pine Key, FL 33043

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,292 sqft · built 1989
Lot Size0.118 acres (5,159 sqft)
Owner2 Company Names on Record
Last Sale$790,000 (Jul 2026)
Tax Bill$3,063 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00294400-000000

Property Details

APN / Parcel Number

Primary APN00294400-000000
Alternative APNs
  • 04662900294400000000
  • 1366552

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories3 Stories
Building Area1,292 sqft Living Area
1st Floor Area1,292 sqft
FlooringPlywood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2009
Exterior MaterialCombination
Construction TypeWood
Roof TypeGable
Roof MaterialMetal
Lot Area5,159 sqft (0.118 acres)
Garage TypeCovered
Garage Area672 sqft

Exterior Amenities

PorchOpen Porch
Porch Area324 sqft
Deck Area24 sqft
Patio Area24 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1366552
Street Address3686 GULFSTREAM ST
CityBIG PINE KEY
StateFL
Zip33043-6137
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeACCC
Legal DescriptionBK 49 LT 11 PORT PINE HEIGHTS 2ND ADD BIG PINE KEY PB4-167 OR365-419-420 OR854-588 OR880-1472 OR994-145 OR1166-840 OR1197-1714 OR1449-1867/69 OR1454-1091 OR1523-646 OR1523-647 OR1837-1156 OR2549-2267/68C/T OR2555-106/07 OR2573-717/18T/C
Legal Range29E
Legal Township66S
Legal Section04
Legal SubdivisionPORT PINE HEIGHTS 2ND ADD
Legal Block49
Legal Lot Number11
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1021
Census Tract971402

Owner

Source: Monroe County records, as of July 23, 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 Record2 Company Names on Record
Mailing Address3686 GULFSTREAM ST, BIG PINE KEY, FL 33043-6137
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 9, 2026 · Amount on Record
Deed SaleJul 9, 2026 · Amount on Record
Prior SaleJun 5, 2012 · Amount on Record
Deed Document Number20262551220
Deed Book / Page3391 / 829
Transfer Doc1449001867
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 9, 2026
Property Address3686 GULFSTREAM ST, BIG PINE KEY, FL 33043-6137
Document Number0002551220
Book / Page3391 / 829
Instrument DateJul 1, 2026
Instrument20262551220
Transaction TypeTransfer
Record UpdatedJul 23, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$558,530.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address3686 GULFSTREAM ST, BIG PINE KEY, FL 33043-6137

Mortgage

Document Number0002551222,
DateJul 9, 2026
Instrument20262551222
Lender
NameMORTGAGE 1 INCORPORATED
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeFixed Rate
Rate6.53%
Initial TypeFixed Rate
Max Rate-1%

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$3,063.00 (+5.11%) Homeowner's exemption$293,714 (+5.99%)$647,709 (-8.1%) Land $342,622 Building $305,087
2024$2,914.00 (+5.54%)
2023$2,761.00 (+2.68%) Homeowner's exemption$277,124 (+3%)$704,783 (+19.27%) Land $471,275 Building $233,508
2022$2,689.00 Homeowner's exemption$269,053$590,897 Land $352,102 Building $238,795

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.

Flood

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 Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
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

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 107 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

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