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  5. Eugene Rd

3977 Eugene Rd, Big Pine Key, FL 33043 Property Records

Monroe County property record for 3977 Eugene Rd, Big Pine Key, FL 33043 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1995
Square Footage1,248 sqft Living Area
Lot Size5,390 sqft (0.123 acres)
OccupancyOwner Occupied
Last Sale$118,000 (1990)
Tax Bill$2,188.00 (2024)

Property Details

APN / Parcel Number

Primary APN00291090-000000
Alternative APNs
  • 05662900291090000000
  • 1363260

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,248 sqft Living Area
1st Floor1,248 sqft 1st Floor
Stories2 Stories
Primary FlooringConcrete/Cement Flooring
Interior StructureWood Interior Structure
ElevatorElevator

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1995
Exterior MaterialAluminum/Vinyl Exterior
Construction TypeWood Construction
Foundation TypePile Foundation
Roof ConstructionGable Roof Construction
Roof MaterialMetal Roof
Lot Area5,390 sqft (0.123 acres)
Depth X Width98 ft x 55 ft Depth x Width
Garage TypeCarport Garage
CarportCarport

Exterior Amenities

Pool TypePublic/Municipal/Commercial Pool Type
FenceFence
Deck Area25 sqft Deck
Patio Area25 sqft Patio
PorchOpen Porch
Porch Area468 sqft Porch
Boat AccessBoat Access

Utilities and HVAC

Cooling SystemHVAC Cooling

Location & Zoning

Account Number1363260
Old Parcel Number05662900291090000000
Street Address3977 EUGENE RD
CityBIG PINE KEY
StateFL
Zip33043-6104
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionBK 18 LT 3 PORT PINE HEIGHTS 1ST ADD BIG PINE KEY PB4-120 OR271-557/58 OR787-763 OR794-1174 OR832-1743 OR982-271 OR1155-292
Legal Range29E
Legal Township66S
Legal Section05
Legal SubdivisionPORT PINE HEIGHTS 1ST ADD
Legal Block18
Legal Lot Number3
JurisdictionMONROE FL
Minor Civil DivisionLOWER KEYS
Census Blockgroup1
Census Block1021
Census Tract971402

Owner

Source: Monroe County records · APN 00291090-000000

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record2 Individual Names on File
Mailing Address3977 EUGENE RD, BIG PINE KEY, FL 33043-6104
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 26, 2018Loan Modification, Mortgage · Conventional Mortgage
SHELLPOINT MTG SVCNG
Dec 03, 2018Deed of Trust, Mortgage · Conventional Mortgage
MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 01, 1990 · Amount on Record
Deed SaleDec 01, 1990 · Amount on Record
Deed Doc Number0001155292
Record RefreshedJun 08, 2026

December 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address3977 EUGENE RD, BIG PINE KEY, FL 33043-6104
Document Number0029501501
Instrument DateDec 26, 2018
Transaction TypeMortgage
Record UpdatedMar 26, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3977 EUGENE RD BIG PINE KEY FL 330436104, BIG PINE KEY, FL 33043-6104

Mortgage

Document Number0029501501
DateFeb 25, 2019
Book Page002950/001501
Instrument2208161
Lender
NameSHELLPOINT MTG SVCNG
AddressGREENVILLE, SC 29601
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term84 Months
DueFeb 24, 2026
Interest
Rate3.75%

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address3977 EUGENE RD, BIG PINE KEY, FL 33043-6104
Document Number0029531941
Instrument DateDec 03, 2018
Transaction TypeMortgage
Record UpdatedApr 30, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address3977 EUGENE RD BIG PINE KEY FL 330436104, BIG PINE KEY, FL 33043-6104

Mortgage

Document Number0029531941
DateMar 14, 2019
Book Page002953/001941
Instrument2211049
Lender
NameMISCELLANEOUS GOVT AGCY
Address1100 SIMONTON ST, KEY WEST, FL 33040-3110
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueMar 13, 2039

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$205,049 (+5.99%)$569,600 (-12.09%) Land $354,554 Building $215,046
2024$2,188.00 (+6.58%)
2023$2,053.00 (+2.65%) Homeowner's exemption$193,467 (+3%)$647,937 (+22.02%) Land $487,687 Building $160,250
2022$2,000.00 Homeowner's exemption$187,833$531,011 Land $364,364 Building $166,647

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation9.0 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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