52 Lobstertail Rd, Big Pine Key, FL 33043 Property Records

Monroe County property record for 52 Lobstertail Rd, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,152 sqft · built 1989
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$679,000 (Aug 2023)
Tax Bill	$5,298 (2024)
Deeds & Mortgages	Jan 2026 Line of Credit Oct 2025 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`00245030-000000`

Property Details

APN / Parcel Number

Primary APN	`00245030-000000`
Alternative APNs	`26662900245030000000` `1312932`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,152 sqft Living Area
1st Floor Area	912 sqft
Basement Area	144 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2014
Exterior Material	Combination
Construction Type	Wood
Foundation Type	Pile
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	324 sqft
Carport	Carport
Carport Area	324 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	296 sqft
Deck Area	12 sqft
Patio Area	12 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1312932
Street Address	52 LOBSTERTAIL RD
City	BIG PINE KEY
State	FL
Zip	33043-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 6 LT 36 CAHILL PINES & PALMS BIG PINE KEY PB3-94 OR487-420 OR812-1012 OR908-995 OR1028-417 OR1321-459/60 OR1456-23 OR1456-24 OR1601-392/93 OR1601-1545/58 OR1885-2236/37 OR2954-1735 OR3062-1880 OR3239-0612
Legal Range	29E
Legal Township	66S
Legal Section	26
Legal Subdivision	CAHILL PINES AND PALMS
Legal Block	6
Legal Lot Number	36
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2050
Census Tract	971401

Owner

52 Lobstertail Rd is owned and occupied by an individual who bought it in August 2023.

Source: Monroe County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	52 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · Line of Credit FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 1, 2025	Deed of Trust, Mortgage · Line of Credit FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 21, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Dec 16, 2020	Warranty Deed, Transfer · VA Mortgage UNION HOME MORTGAGE CORP
Mar 22, 2019	Warranty Deed, Transfer · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2023 · Amount on File
Deed Sale	Aug 21, 2023 · Amount on File
Prior Sale	Dec 16, 2020 · Amount on File
Deed Document Number	20232429141
Deed Book / Page	3239 / 612
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	52 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3307
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3307

Mortgage

Document Number	0033640564
Date	Jan 30, 2026
Book Page	3364/564
Instrument	2530292

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	MADISON, WI 53718

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Oct 20, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	52 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3307
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3307

Mortgage

Document Number	0033470693
Date	Oct 1, 2025
Book Page	3347/693
Instrument	2517185

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	MADISON, WI 53718

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 21, 2023
Property Address	52 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3307
Document Number	0032390612
Book / Page	3239 / 612
Map Reference	MB 3 PG 94
Instrument Date	Aug 15, 2023
Instrument	2429141
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,753.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1726 BUCKHORN LN, NEENAH, WI 54956-1679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3307

Mortgage

Document Number	0003239614
Date	Aug 21, 2023
Instrument	3239/614

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 16, 2020
Property Address	52 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3307
Document Number	0030621880
Book / Page	3062 / 1880
Map Reference	MB 3 PG 94
Instrument Date	Dec 14, 2020
Instrument	2295138
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,073.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	699 TEJON AVE SW, 699, PALM BAY, FL 32908-7454

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3307

Mortgage

Document Number	0030621884
Date	Dec 16, 2020
Instrument	3062/1884

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 22, 2019
Property Address	52 LOBSTERTAIL RD, BIG PINE KEY, FL 33043-3307
Document Number	0029541735
Book / Page	002954 / 001735
Instrument Date	Mar 20, 2019
Instrument	2211925
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4591 SOUTHWESTERN BLVD #Z3 HAMBURG NY 140757700, Z3, HAMBURG, NY 14075-7700

Mortgage

Document Number	29541738
Date	Mar 22, 2019
Book Page	002954/001738
Instrument	2211927

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$531,876 Land $295,500 Building $236,376	$531,876 Land $295,500 Building $236,376
2024	$5,298.00 (+56.88%)
2023	$3,377.00 (+2.74%) Senior Citizen's exemption	$354,868 (+3%)	$503,836 (+12.23%) Land $301,500 Building $202,336
2022	$3,287.00 Senior Citizen's exemption	$344,533	$448,932 Land $244,500 Building $204,432

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

Flood

FEMA maps place 52 Lobstertail Rd 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 690 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	690 in force
Nearby Flood Claims	982 (1980–2022)
Claims Outside the SFHA	2 of 982
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 418 claims Hurricane Wilma, Oct 2005 · 219 claims Hurricane Georges, Sep 1998 · 315 claims

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.

Wildfire

The area around 52 Lobstertail Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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