Monroe County property record for 435 Big Pine Rd, Key Largo, FL 33037
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 3 ba · 1,832 sqft · built 1983 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $770,000 (Dec 2022) |
| Tax Bill | $7,890 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Dec 2022 Sale + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00537210-000000 |
| Primary APN | 00537210-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,832 sqft Living Area |
| 1st Floor Area | 1,184 sqft |
| Flooring | Plywood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Duplex Single |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Geodesic/Dome |
| Roof Material | Concrete |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 47 ft deep x 60 ft wide |
| View / Lot | Canal |
| Porch | Porch |
|---|---|
| Porch Area | 696 sqft |
| Deck Area | 24 sqft |
| Patio Area | 456 sqft |
| Boat Access | Boat Access |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1660728 |
|---|---|
| Street Address | 435 BIG PINE RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3104 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | URM |
| Legal Description | BK 12 LT 8 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR494-967 OR742-399 OR780-1881 OR975-1598 OR1032-391 OR1169-304 OR1270-1544 OR1377-1724 OR1770-1484 OR1781-1132 OR1795-2328 OR2065-2284 OR3204-1249 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 12 |
| Legal Lot Number | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 972700 |
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.
Source: Monroe County records, as of June 11, 2026
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 | 8854 NW 180TH TER, HIALEAH, FL 33018-6503 |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jun 1, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 9, 2022 | Warranty Deed, Transfer C AND C TITLE SERVICES LLC, A & A TITLE SERVICES LLC |
| Jun 3, 2021 | Deed of Trust, Mortgage COUNTY OF MONROE |
| Nov 13, 2020 | Deed of Trust, Mortgage · Commercial Mortgage COUNTY OF MONROE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2022 · Amount on Record |
| Deed Sale | Dec 9, 2022 · Amount on Record |
| Prior Sale | Jun 28, 2002 |
| Deed Document Number | 20222400168 |
| Deed Book / Page | 3204 / 1249 |
| Last Transfer Date | May 28, 2026 |
| Transfer Doc | 0002545469 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 1, 2026 |
| Property Address | 435 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Document Number | 0002545469 |
| Book / Page | 3383 / 1602 |
| Instrument Date | May 28, 2026 |
| Instrument | 20262545469 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 9, 2022 |
| Property Address | 435 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Document Number | 0032041249 |
| Book / Page | 3204 / 1249 |
| Map Reference | MB 4 PG 162 |
| Instrument Date | Dec 7, 2022 |
| Instrument | 2400168 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2022 |
| Title Company | C AND C TITLE SERVICES LLC, A & A TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,390.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8307 NW 194TH TER, HIALEAH, FL 33015-6950 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 435 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 435 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031021143 |
|---|---|
| Date | Jun 3, 2021 |
| Book Page | 3102/1143 |
| Instrument | 2323053 |
| Name | COUNTY OF MONROE |
|---|---|
| Type | Non-Lending Institution |
| Address | KEY WEST, FL 33040 |
| Amount | Amount Recorded |
|---|---|
| Term | 119 Months |
| Due | May 21, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 435 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030560973 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 3056/973 |
| Instrument | 2290539 |
| Name | COUNTY OF MONROE |
|---|---|
| Type | Government Agency |
| Address | KEY WEST, FL 33040 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $7,890.00 (+7.8%) | $811,468 (+22.7%) Land $610,095 Building $201,373 | $811,468 (+22.7%) Land $610,095 Building $201,373 |
| 2024 | $7,319.00 (+13.6%) | ||
| 2023 | $6,443.00 (+65.59%) | $661,356 (+52.04%) Land $480,600 Building $180,756 | $661,356 (+15.08%) Land $480,600 Building $180,756 |
| 2022 | $3,891.00 Homeowner's exemption | $434,999 | $574,679 Land $400,500 Building $174,179 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
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