Lower Keys · MM 30
Big Pine Key
Value Lower-Keys — X-zone pockets, Key Deer Refuge constraints.
Big Pine is the largest Lower-Keys island and prices well below Marathon for comparable canal homes. The Key Deer National Wildlife Refuge complicates new construction and additions, but X-zone interior pockets cut flood premiums dramatically.
Parcels
4,800
Median assessed value
$540,000
% in AE/VE flood zone
61%
% waterfront
42%
What to expect in Big Pine Key
- Key Deer Refuge HCP rules constrain additions and clearing
- X-zone parcels reduce flood premiums by $3–5k/yr vs AE
- No Name Key is mostly off-grid and trades cash
- Looe Key Reef proximity adds VR appeal
Sample parcels in Big Pine Key
Public-records risk and insurance data on representative parcels.
Find a Big Pine Key realtor
Lower- and Middle-Keys leads route to Gracie Dorr at Keyscations Realty. I live on Ramrod. I sell here because it's home.
How we score Big Pine Key
Every parcel on this site is scored against the same six-factor KeysIQ engine: flood risk, insurance cost, ROGO buildability, VR income eligibility, climate resilience, and the composite KeysIQ Score™. Read the methodology →