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

Monroe County property record for 551 Pine Ln, Big Pine Key, FL 33043 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,104 sqft · built 1963
Lot Size0.235 acres (10,275 sqft)
OwnerIndividual Name on File
Last Sale$545,000 (May 2020)
Tax Bill$5,945 (2024)
Deeds & MortgagesJul 2021 Mortgage
May 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN00286150-000000

Property Details

APN / Parcel Number

Primary APN00286150-000000
Alternative APNs
  • 24662900286150000000
  • 1358339

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,104 sqft Living Area
1st Floor Area2,104 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 2000
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,275 sqft (0.235 acres)
Lot Dimensions137 ft deep x 75 ft wide

Exterior Amenities

PorchFinished/Screened Porch
Porch Area128 sqft
Deck Area144 sqft
Patio Area544 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1358339
Old Parcel Number24662900286150000000
Street Address551 PINE LN
CityBIG PINE KEY
StateFL
Zip33043-4611
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 16 WHISPERING PINES PLAT 3 BIG PINE KEY PB4-59 OR244-555/56 OR1093-0038D/C OR1101-139 OR1231-1602 OR1231-1604/05
Legal Range29E
Legal Township66S
Legal Section24
Legal SubdivisionWHISPERING PINES NO 3
Legal Lot Number16
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1001
Census Tract971401

Owner

Source: Monroe County records · APN 00286150-000000

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address551 PINE LN, BIG PINE KEY, FL 33043-4611
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 29, 2021Deed of Trust, Mortgage · Conventional Mortgage
PRIME CHOICE FUNDING INC
May 04, 2020Warranty Deed, Transfer · Conventional Mortgage
STEARNS LENDING LLC
Mar 22, 2017Deed of Trust, Mortgage · Conventional Mortgage
BRANCH BK&TR

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 04, 2020 · Amount on Record
Deed SaleMay 04, 2020 · Amount on Record
Prior SaleJun 20, 2014 · Amount on Record
Deed Document Number2264980
Deed Book / Page3020 / 1894
Record UpdatedJun 08, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address551 PINE LN, BIG PINE KEY, FL 33043-4611
Transaction TypeMortgage
Record UpdatedAug 18, 2021
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address551 PINE LN, BIG PINE KEY, FL 33043-4611

Mortgage

Document Number0031160172
DateJul 29, 2021
Book Page3116/172
Instrument2332686
Lender
NamePRIME CHOICE FUNDING INC
TypeLending Institution
AddressTUSTIN, CA 92780
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2051

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 04, 2020
Property Address551 PINE LN, BIG PINE KEY, FL 33043-4611
Document Number0030201894
Book / Page3020 / 1894
Map ReferenceMB 4 PG 59
Instrument DateApr 24, 2020
Instrument2264980
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,815.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3301 SW ISLAND WAY, 3301, PALM CITY, FL 34990-1411

Transferred To (Grantee/Buyer)

NameVerified Name
Address551 PINE LN, BIG PINE KEY, FL 33043-4611

Mortgage

Document Number0030201896
DateMay 04, 2020
Instrument3020/1896
Lender
NameSTEARNS LENDING LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2050

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address551 PINE LN, BIG PINE KEY, FL 33043-4611
Document Number0028461115
Book / Page002846 / 001115
Instrument DateMar 22, 2017
Transaction TypeMortgage
Record UpdatedJun 19, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address551 PINE LN BIG PINE KEY FL 330434611, BIG PINE KEY, FL 33043-4611

Mortgage

Document Number0028461115
DateMar 30, 2017
Book Page002846/001115
Instrument2116623
Lender
NameBRANCH BK&TR
TypeBank
AddressWILSON, NC 27893
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueMar 29, 2037

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$663,743 (+5.99%)$821,423 (+23.76%) Land $513,750 Building $307,673
2024$5,945.00 (+4.02%)
2023$5,715.00 (+2.7%) Homeowner's exemption$626,250 (+3%)$663,743 (+9.17%) Land $369,900 Building $293,843
2022$5,565.00 Homeowner's exemption$608,010 Land $313,388 Building $294,622$608,010 Land $313,388 Building $294,622

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
218 of 369 on primary residences
Nearby Flood Claims381 (1998–2022)
Most Recent ClaimSep 2022, tidal / storm surge, Hurricane Ian
Flood Events
  • 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.

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