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470 Pine Ln, Big Pine Key, FL 33043 Property Records

Monroe County property record for 470 Pine Ln, Big Pine Key, FL 33043 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,344 sqft · built 1974
Lot Size0.189 acres (8,220 sqft)
Owner2 Company Names on File
Last Sale$450,000 (Apr 2018)
Tax Bill$6,202 (2024)
Deeds & MortgagesOct 2023 Transfer
Feb 2022 Transfer
+ 2 more
Flood ZoneZone AE (high risk)
APN00286430-000100

Property Details

APN / Parcel Number

Primary APN00286430-000100
Alternative APNs
  • 23662900286430000100
  • 1358622

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,344 sqft Living Area
1st Floor Area1,344 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 2018
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,220 sqft (0.189 acres)
Lot Dimensions137 ft deep x 60 ft wide
View / LotCanal
Garage TypeCovered
Garage Area240 sqft
PorchFlorida Room
Porch Area274 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1358622
Street Address470 PINE LN
CityBIG PINE KEY
StateFL
Zip33043-4612
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNLY 60 OF LOT 5 WHISPERING PINES-PLAT #4 BIG PINE KEY PB4-77 OR510-20 OR562-863 OR829-2433 OR1026-571 OR2901-2176 OR3153-1000 OR3247-0734
Legal Range29E
Legal Township66S
Legal Section23
Legal SubdivisionWHISPERING PINES NO 4
Legal Lot Number5
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1001
Census Tract971401

Owner

Source: Monroe County records · APN 00286430-000100

Assessment roll updated December 8, 2025 · Last verified August 2026

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

Owner of Record2 Company Names on File
Mailing Address470 PINE LN, BIG PINE KEY, FL 33043-4612
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Oct 18, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Feb 04, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jul 11, 2019Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Apr 18, 2018Warranty Deed, Transfer · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 18, 2018 · Amount on Record
Deed SaleApr 18, 2018 · Amount on Record
Prior SaleSep 01, 1987 · Amount on Record
Deed Document Number20182164854
Deed Book / Page2901 / 2176
Last Transfer DateOct 10, 2023
Transfer Doc0032470734
Record UpdatedSep 20, 2026

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateOct 18, 2023
Property Address470 PINE LN, BIG PINE KEY, FL 33043-4612
Document Number0032470734
Book / Page3247 / 734
Map ReferenceMB 4 PG 77
Instrument DateOct 10, 2023
Instrument2436671
Transaction TypeTransfer
Record UpdatedNov 06, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address470 PINE LN, BIG PINE KEY, FL 33043-4612

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address470 PINE LN, BIG PINE KEY, FL 33043-4612

February 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateFeb 04, 2022
Property Address470 PINE LN, BIG PINE KEY, FL 33043-4612
Document Number0031531000
Book / Page3153 / 1000
Map ReferenceMB 4 PG 77
Instrument DateFeb 02, 2022
Instrument2360229
Transaction TypeTransfer
Record UpdatedFeb 28, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address470 PINE LN, BIG PINE KEY, FL 33043-4612

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address470 PINE LN, BIG PINE KEY, FL 33043-4612
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029741800
DateJul 11, 2019
Book Page2974/1800
Instrument2228364
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2049

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateApr 18, 2018
Property Address470 PINE LN, BIG PINE KEY, FL 33043-4612
Document Number0029012176
Book / Page2901 / 2176
Map ReferenceMB4 PG77
Instrument DateApr 11, 2018
Instrument2164854
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyTRUE TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,150.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 1769, SAG HARBOR, NY 11963-0063

Transferred To (Grantee/Buyer)

NameVerified Name
Address36 DAVIDSON RD, BEAUFORT, SC 29906-7932

Mortgage

Document Number0002164855
DateApr 18, 2018
Instrument2164855
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeGovernment Agency
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2048

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$700,693 (+24.77%) Land $427,440 Building $273,253$700,693 (+24.77%) Land $427,440 Building $273,253
2024$6,202.00 (+24.39%)
2023$4,986.00 (+9.73%)$561,585 (+10.84%) Land $307,757 Building $253,828$561,585 (+10.84%) Land $307,757 Building $253,828
2022$4,544.00$506,642 Land $260,738 Building $245,904$506,642 Land $260,738 Building $245,904

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879714011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 369 individual NFIP policies nearby
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies369 in force
Nearby Flood Claims381 (1998–2022)
Most Recent ClaimSep 2022, tidal / storm surge, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 167 claims
  • Hurricane Wilma, Oct 2005 · 76 claims
  • Hurricane Georges, Sep 1998 · 122 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 184 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable1,200 / 35
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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