Monroe County property record for 2942 Central Ave, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,634 sqft · built 1990 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $625,000 (Jul 2022) |
| Tax Bill | $5,890 (2024) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Jan 2021 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00315620-000000 |
| Primary APN | 00315620-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 2,634 sqft Living Area |
| 1st Floor Area | 2,016 sqft |
| Attic | Attic |
| Attic Area | 364 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Masonry |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Hip |
| 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 | 448 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 1,396 sqft |
| Deck Area | 64 sqft |
| Patio Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1389137 |
|---|---|
| Street Address | 2942 CENTRAL AVE |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-6216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ACCC |
| Legal Description | BK 11 LT 10 KOEHNS SUB PB3-83 BIG PINE KEY OR365-52/53 OR583-795D/C OR850-2373 OR965-1668/69R/S OR1218-2211RS OR1445-1107 OR2677-987/88 OR3182-2080 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 10 |
| Legal Subdivision | KOEHNS SUBD |
| Legal Block | 11 |
| Legal Lot Number | 10 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1103 |
| Census Tract | 971402 |
Source: Monroe County records, as of April 6, 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 | 10531 HERITAGE LN, DILLSBORO, IN 47018-8465 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 5, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP |
| Jan 26, 2021 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCING CORP |
| Jan 27, 2020 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCING |
| Mar 25, 2019 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCING |
| Mar 27, 2017 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2022 · Amount on Record |
| Deed Sale | Jul 5, 2022 · Amount on Record |
| Prior Sale | Apr 1, 2014 · Amount on Record |
| Deed Document Number | 20222382483 |
| Deed Book / Page | 3182 / 2080 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 5, 2022 |
| Property Address | 2942 CENTRAL AVE, BIG PINE KEY, FL 33043-6216 |
| Document Number | 0031822080 |
| Book / Page | 3182 / 2080 |
| Map Reference | MB 3 PG 83 |
| Instrument Date | May 31, 2022 |
| Instrument | 2382483 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2942 CENTRAL AVE, 2942, BIG PINE KEY, FL 33043-6216 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10531 HERITAGE LN, DILLSBORO, IN 47018-8465 |
| Document Number | 0031822082 |
|---|---|
| Date | Jul 5, 2022 |
| Instrument | 3182/2082 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 2942 CENTRAL AVE, BIG PINE KEY, FL 33043-6216 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030710427 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 3071/427 |
| Instrument | 2300996 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 2942 CENTRAL AVE, BIG PINE KEY, FL 33043-6216 |
| Document Number | 0030080717 |
| Instrument Date | Jan 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2942 CENTRAL AVE BIG PINE KEY FL 330436216, BIG PINE KEY, FL 33043-6216 |
| Document Number | 0030080717 |
|---|---|
| Date | Feb 11, 2020 |
| Book Page | 003008/000717 |
| Instrument | 2255656 |
| Name | AMERICAN FINANCING |
|---|---|
| Type | Funding / Finance Company |
| Address | AURORA, CO 80014 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 10, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 2942 CENTRAL AVE, BIG PINE KEY, FL 33043-6216 |
| Document Number | 0029571230 |
| Instrument Date | Mar 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2019 |
| Title Company | FIRST INTEGRITY TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2942 CENTRAL AVE BIG PINE KEY FL 330436216, BIG PINE KEY, FL 33043-6216 |
| Document Number | 0029571230 |
|---|---|
| Date | Apr 5, 2019 |
| Book Page | 002957/001230 |
| Instrument | 2214201 |
| Name | AMERICAN FINANCING |
|---|---|
| Type | Funding / Finance Company |
| Address | AURORA, CO 80014 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 4, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 2942 CENTRAL AVE, BIG PINE KEY, FL 33043-6216 |
| Document Number | 0028480051 |
| Book / Page | 002848 / 000051 |
| Instrument Date | Mar 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2942 CENTRAL AVE BIG PINE KEY FL 330436216, BIG PINE KEY, FL 33043-6216 |
| Document Number | 0028480051 |
|---|---|
| Date | Apr 6, 2017 |
| Book Page | 002848/000051 |
| Instrument | 2117831 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 5, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
Source: Monroe County assessment roll, as of December 8, 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 | $644,121 (+25.3%) Land $317,500 Building $326,621 | $644,121 (+25.3%) Land $317,500 Building $326,621 | |
| 2024 | $5,890.00 (+15.11%) | ||
| 2023 | $5,117.00 (+64.22%) | $514,068 (+58.45%) Land $200,000 Building $314,068 | $514,068 (+15.08%) Land $200,000 Building $314,068 |
| 2022 | $3,116.00 Senior Citizen's exemption | $324,433 | $446,717 Land $188,100 Building $258,617 |
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 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 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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