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2546 Central Ave, Big Pine Key, FL 33043 Property Records

Monroe County property record for 2546 Central Ave, Big Pine Key, FL 33043

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,684 sqft · built 1979
Lot Size0.229 acres (10,000 sqft)
Owner2 Owner Names on Record
Last Sale$114,450 (Nov 2009)
Tax Bill$1,841 (2024)
Deeds & MortgagesNov 2025 Mortgage
Nov 2017 Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN00315340-000000

Property Details

APN / Parcel Number

Primary APN00315340-000000
Alternative APNs
  • 10662900315340000000
  • 1388858

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,684 sqft Living Area
1st Floor Area1,201 sqft
FlooringPlywood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1995
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Foundation TypeBlock
Roof TypeGable
Roof MaterialMetal
Lot Area10,000 sqft (0.229 acres)
Lot Dimensions100 ft deep x 100 ft wide

Exterior Amenities

Pool Area576 sqft
PorchOpen Porch
Porch Area105 sqft
Deck Area480 sqft
Patio Area680 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1388858
Old Parcel Number10662900315340000000
Street Address2546 CENTRAL AVE
CityBIG PINE KEY
StateFL
Zip33043-6205
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 9 LT 16 KOEHN'S SUB PB3-83 BIG PINE KEY OR50-346 OR716-800 OR820-1430 OR849-2369 OR855-872 OR1012-1107 OR1012-1109
Legal Range29E
Legal Township66S
Legal Section10
Legal SubdivisionKOEHNS SUBD
Legal Block9
Legal Lot Number16
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1088
Census Tract971402

Owner

Source: Monroe County records, as of December 5, 2025

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

Owner of Record2 Owner Names on Record
Mailing Address2546 CENTRAL AVE, BIG PINE KEY, FL 33043-6205
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

DateDocument
Nov 24, 2025Deed of Trust, Mortgage · FHA Mortgage
AMERICAN FINANCING CORP
Nov 20, 2017Deed of Trust, Mortgage · Conventional Mortgage
US SMALL BUSN ADMN
Jul 25, 2017Deed of Trust, Mortgage · Conventional Mortgage
MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 19, 2009 · Amount on Record
Deed SaleNov 19, 2009 · Amount on Record
Prior SaleAug 5, 2008
Deed Document Number1767692
Deed Book / Page2441 / 0855
Record UpdatedJun 8, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address2546 CENTRAL AVE, BIG PINE KEY, FL 33043-6205
Transaction TypeMortgage
Record UpdatedDec 17, 2025
Title CompanyFITCO

Transferred To (Grantee/Buyer)

NameVerified Name
Address2546 CENTRAL AVE, BIG PINE KEY, FL 33043-6205

Mortgage

Document Number0033542448
DateNov 24, 2025
Book Page3354/2448
Instrument2523201
Lender
NameAMERICAN FINANCING CORP
TypeLending Institution
AddressAURORA, CO 80014
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2055

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address2546 CENTRAL AVE, BIG PINE KEY, FL 33043-6205
Document Number0028830742
Book / Page002883 / 000742
Instrument DateNov 20, 2017
Transaction TypeMortgage
Record UpdatedJan 3, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2546 CENTRAL AVE BIG PINE KEY FL 330436205, BIG PINE KEY, FL 33043-6205

Mortgage

Document Number0028830742
DateDec 18, 2017
Book Page002883/000742
Instrument2147610
Lender
NameUS SMALL BUSN ADMN
AddressBIRMINGHAM, AL 35211
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 17, 2047

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address2546 CENTRAL AVE, BIG PINE KEY, FL 33043-6205
Document Number0029010905
Instrument DateJul 25, 2017
Transaction TypeMortgage
Record UpdatedMay 22, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address2546 CENTRAL AVE BIG PINE KEY FL 330436205, BIG PINE KEY, FL 33043-6205

Mortgage

Document Number0029010905
DateApr 16, 2018
Book Page002901/000905
Instrument2164426
Lender
NameMISCELLANEOUS GOVT AGCY
AddressKEY WEST, FL 33040
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueApr 15, 2028

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$167,783 (+5.99%)$523,289 (+34.1%) Land $314,325 Building $208,964
2024$1,841.00 (+7.47%)
2023$1,713.00 (+0.41%) Senior Citizen's exemption$158,306 (+3%)$390,231 (+1.91%) Land $198,000 Building $192,231
2022$1,706.00 Senior Citizen's exemption$153,696$382,917 Land $188,100 Building $194,817

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 522 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies522 in force
Nearby Flood Claims852 (1979–2017)
Most Recent ClaimOct 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 308 claims
  • Hurricane Wilma, Nov 2005 · 306 claims
  • Hurricane Georges, Oct 1998 · 211 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 RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 37 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
AT&T
Fiber		1,000 / 1,000

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