Monroe County property record for 69 Horvath Rd, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,152 sqft · built 1987 |
| Lot Size | 0.292 acres (12,725 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $498,000 (Jan 2021) |
| Tax Bill | $5,027 (2024) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage Jan 2020 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00245430-000000 |
| Primary APN | 00245430-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Flooring | Plywood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Combination |
| Construction Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,725 sqft (0.292 acres) |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 552 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 983 sqft |
| Patio Area | 747 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1313335 |
|---|---|
| Street Address | 69 HORVATH RD |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-3320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 8 LT 1 CAHILL PINES AND PALMS BIG PINE KEY PB3-94 OR466-552/54 OR568-38 OR568-758 OR633-186 OR845-1134 OR942-2417 OR1146-2030/31 OR1473-1239/40 OR1726-224 OR1898-582/83 OR2789-1793/94 OR2857-1/4 OR2956-2206 OR3071-0831 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 26 |
| Legal Subdivision | CAHILL PINES AND PALMS |
| Legal Block | 8 |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 971401 |
69 Horvath Rd is owned and occupied by two individuals who bought it in January 2021.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 69 HORVATH RD, BIG PINE KEY, FL 33043-3320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jan 26, 2021 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 17, 2020 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Apr 3, 2019 | Warranty Deed, Transfer · VA Mortgage APPROVED MORTGAGE SOURCE LLC |
| May 31, 2017 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN BANCSHARES MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2021 · Amount on File |
| Deed Sale | Jan 26, 2021 · Amount on File |
| Prior Sale | Apr 3, 2019 · Amount on File |
| Deed Document Number | 20212301137 |
| Deed Book / Page | 3071 / 831 |
| Prior Transfer Date | May 19, 2003 |
| Prior Transfer Doc | 0018980582 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 26, 2021 |
| Property Address | 69 HORVATH RD, BIG PINE KEY, FL 33043-3320 |
| Document Number | 0030710831 |
| Book / Page | 3071 / 831 |
| Map Reference | MB 3 PG 94 |
| Instrument Date | Jan 20, 2021 |
| Instrument | 2301137 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | FLORIDA TITLE PROFESSIONAL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,486.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3972 S SHAWNEE WAY, 3972, AURORA, CO 80018-4560 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 69 HORVATH RD, BIG PINE KEY, FL 33043-3320 |
| Document Number | 0003071833 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 3071/833 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 69 HORVATH RD, BIG PINE KEY, FL 33043-3320 |
| Document Number | 0030061962 |
| Instrument Date | Jan 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 69 HORVATH RD BIG PINE KEY FL 330433320, BIG PINE KEY, FL 33043-3320 |
| Document Number | 0030061962 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 003006/001962 |
| Instrument | 2254408 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 30, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 3, 2019 |
| Property Address | 69 HORVATH RD, BIG PINE KEY, FL 33043-3320 |
| Document Number | 0029562206 |
| Book / Page | 2956 / 2206 |
| Map Reference | MB 3 PG 94 |
| Instrument Date | Mar 29, 2019 |
| Instrument | 2213808 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,395.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 69 HORVATH RD, BIG PINE KEY, FL 33043-3320 |
| Document Number | 0002213809 |
|---|---|
| Date | Apr 3, 2019 |
| Instrument | 2213809 |
| Name | APPROVED MORTGAGE SOURCE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 31, 2017 |
| Property Address | 69 HORVATH RD, BIG PINE KEY, FL 33043-3320 |
| Document Number | 0028570001 |
| Book / Page | 2857 / 0001 |
| Map Reference | MB3 PG94 |
| Instrument Date | May 12, 2017 |
| Instrument | 2125238 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ALL HOUSE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 69 HORVATH RD, 69, BIG PINE KEY, FL 33043-3320 |
| Name | Verified Name |
|---|---|
| Address | 69 HORVATH RD, BIG PINE KEY, FL 33043-3320 |
| Document Number | 0002125239 |
|---|---|
| Date | May 31, 2017 |
| Instrument | 2125239 |
| Name | AMERICAN BANCSHARES MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
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 | $556,863 | $577,999 Land $310,220 Building $267,779 | |
| 2024 | $5,027.00 (+3.39%) | ||
| 2023 | $4,862.00 (+2.7%) Homeowner's exemption | $525,408 (+3%) | $564,782 (+10.72%) Land $316,518 Building $248,264 |
| 2022 | $4,734.00 Homeowner's exemption | $510,105 Land $256,679 Building $253,426 | $510,105 Land $256,679 Building $253,426 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 69 Horvath 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 |
|
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 risk around 69 Horvath Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 83 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 |
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