Monroe County property record for 492 Pine Ln, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,708 sqft · built 1968 |
| Lot Size | 0.236 acres (10,275 sqft) |
| Owner | Trust Name on File |
| Last Sale | $330,000 (Nov 2013) |
| Tax Bill | $5,463 (2024) |
| Deeds & Mortgages | May 2020 Line of Credit May 2017 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 00286420-000000 |
| Primary APN | 00286420-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,708 sqft Living Area |
| Gross Area | 2,194 sqft |
| 1st Floor Area | 1,708 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 10,275 sqft (0.236 acres) |
| Lot Dimensions | 137 ft deep x 75 ft wide |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 486 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 802 sqft |
| Deck Area | 513 sqft |
| Patio Area | 738 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|
| Account Number | 1358606 |
|---|---|
| Street Address | 492 PINE LN |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-4612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LT 4 WHISPERING PINES PLAT 4 BIG PINE KEY PB4-77 OR430-565 OR829-918 OR1382-2350/51 OR2000-239/40 OR2505-1583D/C OR2658-2039 OR2851-2230/31 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 23 |
| Legal Subdivision | WHISPERING PINES NO 4 |
| Legal Lot Number | 4 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 971401 |
492 Pine Ln is held in a trust since February 2017.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 492 PINE LN, BIG PINE KEY, FL 33043-4612 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 14, 2020 | Deed of Trust, Mortgage · Line of Credit COMERICA BANK |
| May 1, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 18, 2013 · Amount on File |
| Deed Sale | Nov 18, 2013 · Amount on File |
| Prior Sale | Dec 27, 1995 · Amount on File |
| Deed Document Number | 20131957918 |
| Deed Book / Page | 2658 / 2039 |
| Last Transfer Date | Feb 23, 2017 |
| Transfer Doc | 0028512230 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 492 PINE LN, BIG PINE KEY, FL 33043-4612 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WATSON TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 0030221338 |
|---|---|
| Date | May 14, 2020 |
| Book Page | 3022/1338 |
| Instrument | 2266158 |
| Name | COMERICA BANK |
|---|---|
| Type | Bank |
| Address | DALLAS, TX 75201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 1, 2017 |
| Property Address | 492 PINE LN, BIG PINE KEY, FL 33043-4612 |
| Document Number | 0028512230 |
| Book / Page | 002851 / 002230 |
| Instrument Date | Feb 23, 2017 |
| Instrument | 2121119 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 492 PINE LN BIG PINE KEY FL 330434612, BIG PINE KEY, FL 33043-4612 |
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 | $723,107 Land $513,750 Building $209,357 | $723,107 Land $513,750 Building $209,357 | |
| 2024 | $5,463.00 (+11.22%) | ||
| 2023 | $4,912.00 (+8.53%) | $569,079 (+11.08%) Land $369,900 Building $199,179 | $569,079 (+11.08%) Land $369,900 Building $199,179 |
| 2022 | $4,526.00 | $512,319 Land $313,388 Building $198,931 | $512,319 Land $313,388 Building $198,931 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 492 Pine Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 369 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 369 in force |
| Nearby Flood Claims | 381 (1998–2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
The area around 492 Pine Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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