3814 Joyce Rd, Big Pine Key, FL 33043 Property Records

Monroe County property record for 3814 Joyce Rd, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,395 sqft · built 1986
Lot Size	0.16 acres (7,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,807 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`00297480-000000`

Property Details

APN / Parcel Number

Primary APN	`00297480-000000`
Alternative APN	`1369608`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,395 sqft Living Area
1st Floor Area	1,395 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2013
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	7,000 sqft (0.16 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Area	1,206 sqft

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	419 sqft
Deck Area	555 sqft
Patio Area	1,165 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1369608
Street Address	3814 JOYCE RD
City	BIG PINE KEY
State	FL
Zip	33043-6114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 80 LT 6 PORT PINE HEIGHTS 4TH ADD BIG PINE KEY PB5-95 OR584-744 OR799-1491 OR807-1718 OR866-413 OR866-412 OR932-1591
Legal Range	29E
Legal Township	66S
Legal Section	05
Legal Subdivision	PORT PINE HEIGHTS 4TH ADD
Legal Block	80
Legal Lot Number	6
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1021
Census Tract	971402

Owner

Source: Monroe County records, as of December 5, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	3814 JOYCE RD, BIG PINE KEY, FL 33043-6114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2023
Deed Sale	Oct 1, 2023
Prior Sale	Nov 4, 1997 · Amount on Record
Deed Document Number	0031472492
Deed Book / Page	3147 / 2492
Prior Transfer Date	Jan 10, 2022
Prior Transfer Doc	2356224
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 10, 2022
Property Address	3814 JOYCE RD, BIG PINE KEY, FL 33043-6114
Document Number	0031472492
Book / Page	3147 / 2492
Map Reference	MB 5 PG 95
Instrument Date	Jan 6, 2022
Instrument	2356224
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17 FARMINGTON CT, MONTICELLO, KY 42633-6399

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 JOYCE RD, BIG PINE KEY, FL 33043-6114

Mortgage

Document Number	0000031481
Date	Jan 10, 2022
Instrument	3148/1

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$879,978 (-7.63%) Land $442,750 Building $437,228	$879,978 (-7.63%) Land $442,750 Building $437,228
2024	$7,807.00 (-7.45%)
2023	$8,435.00 (+212.18%) Senior Citizen's exemption	$952,687 (+251.33%) Land $609,000 Building $343,687	$952,687 (+8.96%) Land $609,000 Building $343,687
2022	$2,702.00 Senior Citizen's exemption	$271,167	$874,360 Land $546,000 Building $328,360

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 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 Record 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	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 Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 142 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