90 1st St, Big Pine Key, FL 33043 Property Records

Monroe County property record for 90 1st St, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,400 sqft · built 2006
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$336,000 (Mar 2014)
Tax Bill	$6,796 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00301770-000000`

Property Details

APN / Parcel Number

Primary APN	`00301770-000000`
Alternative APNs	`25662900301770000000` `1373842`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,400 sqft Living Area
1st Floor Area	2,400 sqft
Attic	Attic
Attic Area	247 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable
Roof Material	Metal
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Covered
Garage Area	420 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	378 sqft
Deck Area	80 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1373842
Street Address	90 1ST ST
City	BIG PINE KEY
State	FL
Zip	33043-4588
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 16 LTS 10 AND 11 SANDS SUB PB1-65 BIG PINE KEY OR434-345/46 OR811-386 OR1240-2187 OR1524-2310 OR2021-1916/17 OR2036-1251C OR2148-2146 OR2463-461/62C/T OR2481-1922/23 OR2674-1457/58
Legal Range	29E
Legal Township	66S
Legal Section	25
Legal Subdivision	SANDS SUBD
Legal Block	16
Legal Lot Number	10,11
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1047
Census Tract	971401

Owner

Source: Monroe County records, as of July 9, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	90 1ST ST, BIG PINE KEY, FL 33043-4588
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Balloon Mortgage FIRST STATE BANK
May 15, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2014 · Amount on Record
Deed Sale	Mar 11, 2014 · Amount on Record
Prior Sale	Sep 2, 2010 · Amount on Record
Deed Document Number	20141972034
Deed Book / Page	2674 / 1457
Prior Transfer Date	Aug 29, 2005
Prior Transfer Doc	0021482146
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Jun 29, 2026
Property Address	90 1ST ST, BIG PINE KEY, FL 33043-4588
Document Number	0002549503
Book / Page	3388 / 2313
Instrument Date	Jun 24, 2026
Instrument	20262549503
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 1ST ST, BIG PINE KEY, FL 33043-4588

Mortgage

Document Number	0002549503,
Date	Jun 29, 2026
Book Page	3388/2313
Instrument	20262549503

Lender

Name	FIRST STATE BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 24, 2031

Interest

Rate Type	Balloon
Rate	6.53%
Initial Type	Balloon
Max Rate	-1%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	90 1ST ST, BIG PINE KEY, FL 33043-4588
Document Number	0029131845
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	Jul 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	90 1ST ST BIG PINE KEY FL 330434588, BIG PINE KEY, FL 33043-4588

Mortgage

Document Number	0029131845
Date	Jun 26, 2018
Book Page	002913/001845
Instrument	2175280

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jun 25, 2046

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	$6,796.00 (+4.52%) Homeowner's exemption	$725,770 (+5.1%) Land $294,800 Building $430,970	$725,770 (+5.1%) Land $294,800 Building $430,970
2024	$6,502.00 (+3.88%)
2023	$6,259.00 (+14.97%) Homeowner's exemption	$690,523 (+14.96%) Land $278,050 Building $412,473	$690,523 (+14.96%) Land $278,050 Building $412,473
2022	$5,444.00	$600,649 Land $214,400 Building $386,249	$600,649 Land $214,400 Building $386,249

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

Flood

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 Record median of 369 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	369 in force
Nearby Flood Claims	381 (1998–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 167 claims Hurricane Wilma, Oct 2005 · 76 claims Hurricane Georges, Sep 1998 · 122 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 224 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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