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

Monroe County property record for 651 Pine Ln, Big Pine Key, FL 33043 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2013
Square Footage1,750 sqft Living Area
Lot Size20,550 sqft (0.472 acres)
Pool312 sqft
Last Sale$765,000 (2020)
Tax Bill$8,847.00 (2024)

Property Details

APN / Parcel Number

Primary APN00286090-000000
Alternative APNs
  • 24662900286090000000
  • 1358274

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,750 sqft Living Area
1st Floor1,750 sqft 1st Floor
Stories2 Stories
Primary FlooringConcrete/Cement Flooring
Interior StructurePlywood Interior Structure

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 2013
Exterior MaterialConcrete Block Exterior
Construction TypeConcrete Blocks Construction
Roof ConstructionGable Roof Construction
Roof MaterialMetal Roof
Lot Area20,550 sqft (0.472 acres)
Depth X Width137 ft x 75 ft Depth x Width

Exterior Amenities

Pool Area312 sqft Pool
Deck Area470 sqft Deck
Patio Area878 sqft Patio
PorchOpen Porch
Porch Area66 sqft Porch
ViewCanal View
Boat AccessBoat Access

Utilities and HVAC

Cooling SystemHVAC Cooling

Location & Zoning

Account Number1358274
Street Address651 PINE LN
CityBIG PINE KEY
StateFL
Zip33043-4624
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLTS 10 AND11 WHISPERING PINES PLAT NO 3 BIG PINE KEY PB4-59 OR448-606 OR456-203 OR573-779 OR763-1961 OR763-1962 OR764-910 OR804-1761 OR804-1762 OR806-677 OR806-678 OR1397-683 OR1472-2439 OR1621-1792 OR1719-118 OR1757-2492 OR1953-802 OR2631-1417 OR305
Legal Range29E
Legal Township66S
Legal Section24
Legal SubdivisionWHISPERING PINES NO 3
Legal Lot Number10,11
JurisdictionMONROE FL
Minor Civil DivisionLOWER KEYS
Census Blockgroup1
Census Block1001
Census Tract971401

Owner

Source: Monroe County records · APN 00286090-000000

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

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

Owner of RecordCompany Name on File
Mailing Address395 SW 24TH AVE, OKEECHOBEE, FL 34974-3950
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Jan 10, 2022Warranty Deed, Transfer
ACCOMODATION, ACCOMMODATION
Nov 02, 2020Warranty Deed, Transfer · Conventional Mortgage
GROUP ONE MORTGAGE INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 02, 2020 · Amount on Record
Deed SaleNov 02, 2020 · Amount on Record
Prior SaleJun 03, 2013 · Amount on Record
Deed Doc Number20202289261
Deed Book / Page3054 / 1030
Record RefreshedJun 08, 2026

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 10, 2022
Property Address651 PINE LN, BIG PINE KEY, FL 33043-4624
Document Number0031480245
Book / Page3148 / 245
Map ReferenceMB 4 PG 59
Instrument DateJan 03, 2022
Instrument2356307
Transaction TypeTransfer
Record UpdatedFeb 02, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address395 SW 24TH AVE, OKEECHOBEE, FL 34974-3950

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateNov 02, 2020
Property Address651 PINE LN, BIG PINE KEY, FL 33043-4624
Document Number0030541030
Book / Page3054 / 1030
Map ReferenceMB 4 PG 59
Instrument DateOct 09, 2020
Instrument2289261
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5,355.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address395 SW 24TH AVE, OKEECHOBEE, FL 34974-3950

Mortgage

Document Number0030541034
DateNov 02, 2020
Instrument3054/1034
Lender
NameGROUP ONE MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2050
Interest
Rate TypeAdjustable Rate
Rate3.37%
Type Change DateNov 01, 2025
Change FrequencyAnnually
Min Rate At Change3.37%
Max Rate At Change5.37%
Index1-Year CMT
Max Rate9.37%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 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$1,078,968 (+21.74%) Land $711,544 Building $367,424$1,078,968 (+21.74%) Land $711,544 Building $367,424
2024$8,847.00 (+11.2%)
2023$7,956.00 (+19.75%)$886,324 (+9.75%) Land $536,869 Building $349,455$886,324 (+9.75%) Land $536,869 Building $349,455
2022$6,644.00$807,598 Land $454,669 Building $352,929$807,598 Land $454,669 Building $352,929

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation8.0 ft

Wildfire

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

Values are read at the parcel center point; lenders make the official flood determination.

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