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

Monroe County property record for 695 Pine Ln, Big Pine Key, FL 33043 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2015
Square Footage	3,187 sqft Living Area
Lot Size	29,621 sqft (0.68 acres)
Garage	Attached, 567 sqft
Last Sale	$2,685,000 (2022)
Tax Bill	$18,664.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`00286000-000000`
Alternative APNs	`24662900286000000000` `1358207`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,187 sqft Living Area
Gross Area	3,754 sqft Gross Area
1st Floor	2,736 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Concrete/Cement Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2015
Exterior Material	Concrete Block Exterior
Construction Type	Concrete Blocks Construction
Roof Construction	Cathedral/Clerestory Roof Construction
Roof Material	Metal Roof
Lot Area	29,621 sqft (0.68 acres)
Garage Type	Attached Garage
Garage Area	567 sqft Garage

Exterior Amenities

Pool Area	264 sqft Pool
Deck Area	240 sqft Deck
Patio Area	603 sqft Patio
Porch Area	696 sqft Porch
Boat Access	Boat Access

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	1358207
Street Address	695 PINE LN
City	BIG PINE KEY
State	FL
Zip	33043-4624
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOTS 1 AND 2 WHISPERING PINES PLAT 3 PB4-59 BIG PINE KEY AND PT VACATED PINE LANE OR297-541 OR404-813 OR431-220 OR820-34 OR1023-675 OR1023-678 OR1084-2035 OR1086-286 OR1088-108 OR1458-1221 OR2197-625 OR2236-912 OR2676-2466 OR3180-1983
Legal Range	29E
Legal Township	66S
Legal Section	24
Legal Subdivision	WHISPERING PINES NO 3
Legal Lot Number	1,2
Jurisdiction	MONROE FL
Minor Civil Division	LOWER KEYS
Census Blockgroup	1
Census Block	1001
Census Tract	971401

Owner

Source: Monroe County records · APN 00286000-000000

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

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

Owner of Record	Company Name on File
Mailing Address	40 SE 5TH ST, 403, BOCA RATON, FL 33432-6003
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 22, 2022 · Amount on Record
Deed Sale	Jun 22, 2022 · Amount on Record
Prior Sale	Mar 27, 2014 · Amount on Record
Deed Doc Number	20222380998
Deed Book / Page	3180 / 1983
Record Refreshed	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 22, 2022
Property Address	695 PINE LN, BIG PINE KEY, FL 33043-4624
Document Number	0031801983
Book / Page	3180 / 1983
Map Reference	MB 4 PG 59
Instrument Date	Jun 14, 2022
Instrument	2380998
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$18,795.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	695 PINE LN, 695, BIG PINE KEY, FL 33043-4624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SE 5TH ST STE 403, 403, BOCA RATON, FL 33432-6003

Mortgage

Document Number	0031802007
Date	Jun 22, 2022
Instrument	3180/2007

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 01, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	Other
Max Rate	9.25%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$2,151,781 (-2%) Land $1,292,959 Building $858,822	$2,151,781 (-2%) Land $1,292,959 Building $858,822
2024	$18,664.00 (-3.52%)
2023	$19,345.00 (+152.51%)	$2,195,750 (+156.84%) Land $1,361,531 Building $834,219	$2,195,750 (+55.94%) Land $1,361,531 Building $834,219
2022	$7,661.00 Homeowner's exemption	$854,924	$1,408,117 Land $635,669 Building $772,448

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 Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	9.0 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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