Monroe County property record for 478 Big Pine Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,808 sqft · built 2006 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $12,188 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00537390-000000 |
| Primary APN | 00537390-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 4,808 sqft Living Area |
| 1st Floor Area | 3,024 sqft |
| Flooring | Wood |
| Interior Walls | Plywood |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 1,032 sqft |
| Pool Area | 464 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 1,904 sqft |
| Deck Area | Deck Area |
| Patio Area | 75 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1660914 |
|---|---|
| Street Address | 478 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 26 LAKE SURPRISE ESTATES KEY LARGO PB4-162 OR401-394-395 OR2061-154 OR2184-1436 OR2243-735 OR2254-2117 OR2396-2466 OR2434-46C OR2445-816C OR2669-2316 |
| Legal Range | 40E |
| Legal Township | 60S |
| Legal Section | 31 |
| Legal Subdivision | LAKE SURPRISE ESTATES |
| Legal Block | 12 |
| Legal Lot Number | 26 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 814 PONCE DE LEON BLVD, 310, CORAL GABLES, FL 33134-3033 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 2009 |
| Deed Sale | Dec 8, 2009 |
| Prior Sale | Jan 7, 2009 · Amount on Record |
| Deed Book / Page | 2445 / 816 |
| Prior Transfer Date | Nov 23, 2006 |
| Prior Transfer Doc | 0022542117 |
| Record Updated | Jun 8, 2026 |
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 | $1,765,658 (+9.26%) Land $765,475 Building $1,000,183 | $1,765,658 (+9.26%) Land $765,475 Building $1,000,183 | |
| 2024 | $12,188.00 (+10.11%) | ||
| 2023 | $11,069.00 (+10.81%) | $1,615,986 (+6.9%) Land $603,000 Building $1,012,986 | $1,615,986 (+6.9%) Land $603,000 Building $1,012,986 |
| 2022 | $9,989.00 | $1,511,725 Land $502,500 Building $1,009,225 | $1,511,725 Land $502,500 Building $1,009,225 |
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 | 10.0 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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