Monroe County property record for 454 Big Pine Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,660 sqft · built 2018 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $800,000 (Jul 2019) |
| Tax Bill | $5,422 (2024) |
| Deeds & Mortgages | May 2022 Mortgage Jul 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00537360-000000 |
| Primary APN | 00537360-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,660 sqft Living Area |
| 1st Floor Area | 1,660 sqft |
| Attic | Attic |
| Attic Area | 1,190 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| 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 | Carport |
| Garage Area | 1,190 sqft |
| Carport | Carport |
| Carport Area | 1,190 sqft |
| Porch | Open Porch |
| Boat Access | Boat Access |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1660884 |
|---|---|
| Street Address | 454 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 23 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR537-166 OR776-904 OR798-669 OR1170-1018 OR2125-557/60 OR2709-2090/91D/C OR2709-2087/88 OR2857-2272 OR2972-2371 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 12 |
| Legal Lot Number | 23 |
| 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 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 Record |
|---|---|
| Mailing Address | 454 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jul 1, 2019 | Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG |
| Jun 5, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2019 · Amount on Record |
| Deed Sale | Jul 1, 2019 · Amount on Record |
| Prior Sale | Jun 5, 2017 · Amount on Record |
| Deed Document Number | 20192227073 |
| Deed Book / Page | 2972 / 2371 |
| Prior Transfer Date | May 19, 2005 |
| Prior Transfer Doc | 0021250557 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 454 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 454 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Document Number | 0031731202 |
|---|---|
| Date | May 12, 2022 |
| Book Page | 3173/1202 |
| Instrument | 2375331 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | May 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.37% |
| Index | 1-Year CMT |
| Max Rate | 8.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 1, 2019 |
| Property Address | 454 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Document Number | 0029722371 |
| Book / Page | 002972 / 002371 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 2227073 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2019 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,600.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 372564 KEY LARGO FL 330377564, KEY LARGO, FL 33037-7564 |
| Document Number | 29722373 |
|---|---|
| Date | Jul 1, 2019 |
| Book Page | 002972/002373 |
| Instrument | 2227074 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 30, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 5, 2017 |
| Property Address | 454 BIG PINE RD, KEY LARGO, FL 33037-3104 |
| Document Number | 0028572272 |
| Book / Page | 002857 / 002272 |
| Instrument Date | Jun 1, 2017 |
| Instrument | 2125933 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,540.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 11821 SW 107TH CT MIAMI FL 331763935, MIAMI, FL 33176-3935 |
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 | $678,304 (+5.99%) | $1,008,345 (+17.48%) Land $610,095 Building $398,250 | |
| 2024 | $5,422.00 (+4.03%) | ||
| 2023 | $5,212.00 (+6.85%) Homeowner's exemption | $639,989 (+3.3%) | $858,315 (+11.66%) Land $480,600 Building $377,715 |
| 2022 | $4,878.00 Homeowner's exemption | $619,517 | $768,715 Land $400,500 Building $368,215 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures