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

Monroe County property record for 434 Big Pine Rd, Key Largo, FL 33037

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,428 sqft · built 1965
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$775,000 (Sep 2024)
Tax Bill	$5,884 (2024)
Deeds & Mortgages	Apr 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`00537320-000000`

Property Details

APN / Parcel Number

Primary APN	`00537320-000000`
Alternative APNs	`31604000537320000000` `1660841`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	1,356 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1999
Exterior Material	Combination
Construction Type	Wood
Foundation Type	Block
Roof Type	Flat
Roof Material	Shingle
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	360 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Deck Area	198 sqft
Patio Area	18 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1660841
Old Parcel Number	31604000537320000000
Street Address	434 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 19 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR560-410 OR1336-670 OR1417-620/21 OR1426-1539/40 OR1426-1541/42
Legal Range	40E
Legal Township	60S
Legal Section	31
Legal Subdivision	LAKE SURPRISE ESTATES
Legal Block	12
Legal Lot Number	19
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 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	Individual Name on Record
Mailing Address	14458 SW 14TH ST, MIAMI, FL 33184-3264
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2024 · Amount on Record
Deed Sale	Sep 24, 2024 · Amount on Record
Prior Sale	Apr 19, 2022 · Amount on Record
Deed Document Number	2475703
Deed Book / Page	3293 / 2441
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 19, 2022
Property Address	434 BIG PINE RD, KEY LARGO, FL 33037-3104
Document Number	0031681272
Book / Page	3168 / 1272
Map Reference	MB 4 PG 162
Instrument Date	Apr 14, 2022
Instrument	2371487
Transaction Type	Transfer
Record Updated	May 11, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	434 BIG PINE RD, 434, KEY LARGO, FL 33037-3104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 BIG PINE RD, KEY LARGO, FL 33037-3104

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		$692,325 (+23.79%) Land $610,095 Building $82,230	$692,325 (+23.79%) Land $610,095 Building $82,230
2024	$5,884.00 (+13.7%)
2023	$5,175.00 (+259.62%)	$559,269 (+321.17%) Land $480,600 Building $78,669	$559,269 (+14.5%) Land $480,600 Building $78,669
2022	$1,439.00 Homeowner's exemption	$132,788	$488,452 Land $400,500 Building $87,952

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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

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 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 Fixed Wireless	100 / 20