Monroe County property record for 3945 Mary Rd, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,008 sqft · built 1989 |
| Lot Size | 0.121 acres (5,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Sep 2013) |
| Tax Bill | $2,473 (2024) |
| Flood Zone | Zone VE (high risk) |
| APN | 00289290-000000 |
| Primary APN | 00289290-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Masonry |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 5,250 sqft (0.121 acres) |
| Lot Dimensions | 105 ft deep x 50 ft wide |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 576 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 848 sqft |
| Deck Area | Deck Area |
| Patio Area | 225 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|
| Account Number | 1361461 |
|---|---|
| Street Address | 3945 MARY RD |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-6100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ACCC |
| Legal Description | BK 1 LT 7 KYLE-DYER SUB 1 PB4-87 BIG PINE KEY OR209-243/44 OR907-1005 OR1071-1838 OR1102-1321 OR1196-197 OR1659-167 OR2001-582 OR2190-1193 OR2604-857/58 OR2616-663/72C OR2648-70 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 05 |
| Legal Subdivision | KYLE DYER NO 1 |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 971402 |
3945 Mary Rd is owned and occupied by two individuals who bought it in September 2013.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3945 MARY RD, BIG PINE KEY, FL 33043-6100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2013 · Amount on File |
| Deed Sale | Sep 4, 2013 · Amount on File |
| Prior Sale | Mar 4, 2013 · Amount on File |
| Deed Document Number | 20131948627 |
| Deed Book / Page | 2648 / 70 |
| Prior Transfer Date | Feb 23, 2006 |
| Prior Transfer Doc | 0021901193 |
| Record Updated | Jun 8, 2026 |
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 | $245,048 | $590,187 Land $348,666 Building $241,521 | |
| 2024 | $2,473.00 (+6.14%) | ||
| 2023 | $2,330.00 (+1.04%) Senior Citizen's exemption | $231,206 (+3%) | $671,619 (+21.04%) Land $479,588 Building $192,031 |
| 2022 | $2,306.00 Senior Citizen's exemption | $224,472 | $554,888 Land $358,313 Building $196,575 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3945 Mary Rd 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 3945 Mary Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 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 |
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