2828 Central Ave, Big Pine Key, FL 33043 Property Records

Monroe County property record for 2828 Central Ave, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,389 sqft · built 1963
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Jul 2005)
Tax Bill	$2,180 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00315690-000000`

Property Details

APN / Parcel Number

Primary APN	`00315690-000000`
Alternative APNs	`10662900315690000000` `1389200`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,389 sqft Living Area
Gross Area	1,617 sqft
1st Floor Area	1,389 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	228 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	125 sqft
Deck Area	40 sqft
Patio Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit

Location & Zoning

Account Number	1389200
Street Address	2828 CENTRAL AVE
City	BIG PINE KEY
State	FL
Zip	33043-6215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ACCC
Legal Description	BK 11 LT 17 KOEHNS SUB PB3-83 BIG PINE KEY OR433-176 OR877-846D/C OR877-842D/C OR979-1447 OR1157-674/675(MEM) OR1157-673(DECREE) OR1132-2251/2252 OR1157-678 OR1334-2293/94 OR2129-1732 OR3126-633
Legal Range	29E
Legal Township	66S
Legal Section	10
Legal Subdivision	KOEHNS SUBD
Legal Block	11
Legal Lot Number	17
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1103
Census Tract	971402

Owner

Source: Monroe County records, as of August 28, 2026

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
Mailing Address	2828 CENTRAL AVE, BIG PINE KEY, FL 33043-6215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2005 · Amount on Record
Deed Sale	Jul 5, 2005 · Amount on Record
Prior Sale	Dec 1, 1990 · Amount on Record
Deed Document Number	20051526683
Deed Book / Page	2129 / 1732
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2828 CENTRAL AVE, BIG PINE KEY, FL 33043-6215
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2828 CENTRAL AVE, BIG PINE KEY, FL 33043-6215

Mortgage

Document Number	0030911229
Date	Apr 22, 2021
Book Page	3091/1229
Instrument	2315492

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	$2,180.00 (+4.91%) Homeowner's exemption	$191,578 (+5.99%)	$468,993 (+29.11%) Land $250,031 Building $218,962
2024	$2,078.00 (+6.78%)
2023	$1,946.00 (+2.69%) Homeowner's exemption	$180,757 (+3%)	$363,244 (-0.49%) Land $157,500 Building $205,744
2022	$1,895.00 Homeowner's exemption	$175,493	$365,024 Land $149,625 Building $215,399

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 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	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 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.

Internet Providers

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