Monroe County property record for 3823 George Rd, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 960 sqft · built 1988 |
| Lot Size | 0.211 acres (9,198 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Nov 2017) |
| Tax Bill | $3,937 (2024) |
| Deeds & Mortgages | Jun 2021 Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00290780-000000 |
| Primary APN | 00290780-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 9,198 sqft (0.211 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 336 sqft |
| Patio Area | 1,060 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1362956 |
|---|---|
| Old Parcel Number | 05662900290780000000 |
| Street Address | 3823 GEORGE RD |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-6108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 15 LT 3 PORT PINE HEIGHTS 1ST ADD BIG PINE KEY PB4-120 OR791-1622 OR828-740 OR2621-1402 OR2701-174 OR2878-1823/24 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 05 |
| Legal Subdivision | PORT PINE HEIGHTS 1ST ADD |
| Legal Block | 15 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 971402 |
3823 George Rd is owned and occupied by two individuals who bought it in November 2017.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3823 GEORGE RD, BIG PINE KEY, FL 33043-6108 |
| 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 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK |
| Nov 9, 2017 | Warranty Deed, Transfer · FHA Mortgage PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2017 · Amount on File |
| Deed Sale | Nov 9, 2017 · Amount on File |
| Prior Sale | Sep 2, 2014 · Amount on File |
| Deed Document Number | 2143148 |
| Deed Book / Page | 2878 / 1823 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 3823 GEORGE RD, BIG PINE KEY, FL 33043-6108 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3823 GEORGE RD, BIG PINE KEY, FL 33043-6108 |
| Document Number | 0031080636 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 3108/636 |
| Instrument | 2327156 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 9, 2017 |
| Property Address | 3823 GEORGE RD, BIG PINE KEY, FL 33043-6108 |
| Document Number | 0028781823 |
| Book / Page | 002878 / 001823 |
| Instrument Date | Nov 3, 2017 |
| Instrument | 2143148 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2017 |
| Title Company | TRUE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,010.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3823 GEORGE RD BIG PINE KEY FL 330436108, BIG PINE KEY, FL 33043-6108 |
| Document Number | 28781825 |
|---|---|
| Date | Nov 9, 2017 |
| Book Page | 002878/001825 |
| Instrument | 2143149 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 8, 2047 |
Source: Monroe County assessment roll, as of July 1, 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 | $418,569 | $683,781 Land $488,690 Building $195,091 | |
| 2024 | $3,937.00 (+4.76%) | ||
| 2023 | $3,758.00 (+2.71%) Homeowner's exemption | $394,926 (+3%) | $814,085 (+25.92%) Land $672,190 Building $141,895 |
| 2022 | $3,659.00 Homeowner's exemption | $383,424 | $646,502 Land $502,211 Building $144,291 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3823 George Rd in Zone AE, a high-risk 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 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 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.
The area around 3823 George Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 107 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 |
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