Monroe County property record for 2816 Central Ave, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,482 sqft · built 1966 |
| Lot Size | 0.631 acres (27,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $555,000 (Mar 2022) |
| Tax Bill | $5,990 (2024) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00315700-000000 |
| Primary APN | 00315700-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,482 sqft Living Area |
| 1st Floor Area | 1,482 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 27,500 sqft (0.631 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Area | 576 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 304 sqft |
| Deck Area | 188 sqft |
| Patio Area | 1,243 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1389218 |
|---|---|
| Old Parcel Number | 10662900315700000000 |
| Street Address | 2816 CENTRAL AVE |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-6215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 11 LOTS 1, 2 AND 18 KOEHNS SUB PB3-83 BIG PINE KEY OR163-93-94 OR809-871 OR975-1780 OR978-1313 OR1115-82DC |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 10 |
| Legal Subdivision | KOEHNS SUBD |
| Legal Block | 11 |
| Legal Lot Number | 1-2 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1103 |
| Census Tract | 971402 |
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 Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2816 CENTRAL AVE, BIG PINE KEY, FL 33043-6215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2026 | Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP |
| Mar 1, 2022 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| Oct 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CITADEL SVCNG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2022 · Amount on Record |
| Deed Sale | Mar 1, 2022 · Amount on Record |
| Prior Sale | Feb 26, 2015 · Amount on Record |
| Deed Document Number | 2363689 |
| Deed Book / Page | 3158 / 13 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 2816 CENTRAL AVE, BIG PINE KEY, FL 33043-6215 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2816 CENTRAL AVE, BIG PINE KEY, FL 33043-6215 |
| Document Number | 0033690030 |
|---|---|
| Date | Mar 3, 2026 |
| Book Page | 3369/30 |
| Instrument | 2534272 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30342 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 1, 2022 |
| Property Address | 2816 CENTRAL AVE, BIG PINE KEY, FL 33043-6215 |
| Document Number | 0031580013 |
| Book / Page | 3158 / 13 |
| Map Reference | MB 3 PG 83 |
| Instrument Date | Feb 28, 2022 |
| Instrument | 2363689 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,885.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 710 SE AVENUE B, 710, CARRABELLE, FL 32322-6092 |
| Name | Verified Name |
|---|---|
| Address | 30381 OLEANDER BLVD, BIG PINE KEY, FL 33043-4741 |
| Document Number | 0000315815 |
|---|---|
| Date | Mar 1, 2022 |
| Instrument | 3158/15 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 2816 CENTRAL AVE, BIG PINE KEY, FL 33043-6215 |
| Document Number | 0029932220 |
| Instrument Date | Oct 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2019 |
| Title Company | SERVICELINK CRS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2816 CENTRAL AVE BIG PINE KEY FL 330436215, BIG PINE KEY, FL 33043-6215 |
| Document Number | 0029932220 |
|---|---|
| Date | Nov 12, 2019 |
| Book Page | 002993/002220 |
| Instrument | 2244069 |
| Name | CITADEL SVCNG CORP |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2049 |
Source: Monroe County assessment roll, as of July 1, 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 | $652,643 (+33.06%) Land $388,063 Building $264,580 | $652,643 (+33.06%) Land $388,063 Building $264,580 | |
| 2024 | $5,990.00 (+21.82%) | ||
| 2023 | $4,917.00 (+4.86%) | $490,498 (-1.75%) Land $244,906 Building $245,592 | $490,498 (-1.75%) Land $244,906 Building $245,592 |
| 2022 | $4,689.00 | $499,242 Land $249,278 Building $249,964 | $499,242 Land $249,278 Building $249,964 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 522 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 522 in force |
| Nearby Flood Claims | 852 (1979–2017) |
| Most Recent Claim | Oct 2017 · Hurricane Irma |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fiber | 1,000 / 1,000 |
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