428 Big Pine Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 428 Big Pine Rd, Key Largo, FL 33037

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 1,591 sqft · built 1970
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Jul 2021)
Tax Bill	$6,099 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00537310-000000`

Property Details

APN / Parcel Number

Primary APN	`00537310-000000`
Alternative APN	`1660833`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,591 sqft Living Area
1st Floor Area	1,591 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Enclosed Porch
Porch Area	1,326 sqft
Deck Area	60 sqft
Patio Area	156 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1660833
Street Address	428 BIG PINE RD
City	KEY LARGO
State	FL
Zip	33037-3104
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	BK 12 LT 18 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR399-334/35 OR792-742 OR796-1453 OR1650-2234 OR1779-277 OR1779-278
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	12
Legal Lot Number	18
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2000
Census Tract	972700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within John Pennekamp Coral Reef State Park and Reserve listed 1972 · 10 contributing resources · NRIS 72000340

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	7881 SW 171ST ST, PALMETTO BAY, FL 33157-4734
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Prior Sale	Mar 4, 2004 · Amount on Record
Deed Document Number	2328803
Deed Book / Page	3110 / 1324
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 7, 2021
Property Address	428 BIG PINE RD, KEY LARGO, FL 33037-3104
Document Number	0031101324
Book / Page	3110 / 1324
Map Reference	MB 4 PG 162
Instrument Date	Jun 29, 2021
Instrument	2328803
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	NOVAS TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 BIG PINE RD, 428, KEY LARGO, FL 33037-3104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7881 SW 171ST ST, PALMETTO BAY, FL 33157-4734

Mortgage

Document Number	31101326
Date	Jul 7, 2021
Instrument	3110/1326

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	1-Year CMT
Max Rate	10.5%

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		$768,663 (+28.57%) Land $610,095 Building $158,568	$768,663 (+28.57%) Land $610,095 Building $158,568
2024	$6,099.00 (+13.49%)
2023	$5,374.00 (+13.3%)	$597,872 (+14.08%) Land $480,600 Building $117,272	$597,872 (+14.08%) Land $480,600 Building $117,272
2022	$4,743.00	$524,101 Land $400,500 Building $123,601	$524,101 Land $400,500 Building $123,601

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 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 Record median of 433 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	660 units insured incl. 227 condo units
Nearby Flood Claims	80 (1999–2024)
Claims Outside the SFHA	1 of 80
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20