Monroe County property record for 440 Big Pine Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,653 sqft · built 2021 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $362,500 (Oct 2017) |
| Tax Bill | $5,767 (2024) |
| Deeds & Mortgages | Nov 2020 Construction Loan Oct 2017 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00537330-000000 |
| Primary APN | 00537330-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,653 sqft Living Area |
| 1st Floor Area | 526 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Mobile Home |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 1,585 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 958 sqft |
| Patio Area | 16 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1660850 |
|---|---|
| Street Address | 440 BIG PINE RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 12 LT 20 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR560-410 OR1336-670R/S OR1417-620/21RS OR1424-196/97 OR1576-1017 OR1696-499 OR2071-1725 OR2359-2482 OR2669-471/72 OR2873-2429/31 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 12 |
| Legal Lot Number | 20 |
| 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 assessment roll, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2020 | Deed of Trust, Mortgage · Construction Mortgage SYNOVUS BANK |
| Oct 6, 2017 | Grant Deed, Transfer SOLE TITLE LLC, SOBI TITLE LLC |
| Aug 28, 2017 | Deed of Trust, Transfer · Conventional Mortgage KENNETH C III LASSETER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 6, 2017 · Amount on Record |
| Deed Sale | Oct 6, 2017 · Amount on Record |
| Prior Sale | Jan 29, 2014 · Amount on Record |
| Deed Document Number | 20172139028 |
| Deed Book / Page | 2873 / 2429 |
| Prior Transfer Date | Apr 11, 2008 |
| Prior Transfer Doc | 0023592482 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 440 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1560 NW 166TH AVE, PEMBROKE PINES, FL 33028-1347 |
| Document Number | 0030540288 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 3054/288 |
| Instrument | 2289105 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35209 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 369 Months |
| Due | Aug 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 6, 2017 |
| Property Address | 440 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Document Number | 0028732430 |
| Book / Page | 002873 / 002430 |
| Instrument Date | Aug 28, 2017 |
| Instrument | 2139028 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2017 |
| Title Company | SOLE TITLE LLC, SOBI TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,537.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1560 NW 166TH AVE HOLLYWOOD FL 330281347, HOLLYWOOD, FL 33028-1347 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 440 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Document Number | 0028732433 |
| Instrument Date | Aug 28, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1560 NW 166TH AVE PEMBROKE PINES FL 330281347, PEMBROKE PINES, FL 33028-1347 |
| Document Number | 0028732433 |
|---|---|
| Date | Oct 6, 2017 |
| Book Page | 002873/002433 |
| Instrument | 2139029 |
| Name | KENNETH C III LASSETER |
|---|---|
| Address | 15794 SAN ANTONIO CT, FORT MYERS, FL 33908-2444 |
| Type | Conventional 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 | $687,761 (+5.99%) | $1,093,733 (+16.63%) Land $610,095 Building $483,638 | |
| 2024 | $5,767.00 (+3.69%) | ||
| 2023 | $5,562.00 (+6.04%) Homeowner's exemption | $648,912 (+3%) | $937,819 (+9.27%) Land $480,600 Building $457,219 |
| 2022 | $5,245.00 Homeowner's exemption | $630,012 | $858,242 Land $400,500 Building $457,742 |
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 |
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 |
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