Monroe County property record for 31031 Ave A, Big Pine Key, FL 33043
| Property Type | Commercial Office |
|---|---|
| Details | 3 ba · 2,436 sqft · built 1995 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,000,000 (Jun 2026) |
| Tax Bill | $5,647 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2026 Mortgage + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00301520-000000 |
| Primary APN | 00301520-000000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 2,436 sqft Gross Area |
| 1st Floor Area | 2,436 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Fire Resistance | Fireproof Reinforced Concrete |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 406 sqft |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1373613 |
|---|---|
| Street Address | 31031 AVENUE A |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-4574 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Local Zoning Code | SC |
| Legal Description | BK 15 LTS 1 AND 2 AND 3 SANDS SUB PB1-65 BIG PINE KEY OR176-525/26 OR986-417/18 OR1321-2320/22 OR1863-1342 OR2707-1884 OR2746-904/05 OR2748-732 OR3129-1898 OR3160-1917 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 25 |
| Legal Subdivision | SANDS SUBD |
| Legal Block | 15 |
| Legal Lot Number | 1,2,3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 971401 |
31031 Ave A, a commercial property, is owned by a company that bought it in June 2026.
Source: Monroe County records, as of September 25, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 8950 SW 74TH CT, 1907, MIAMI, FL 33156-3178 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Sep 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK |
| Jun 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK |
| Mar 14, 2022 | Warranty Deed, Transfer ABSOLUTE FIRST TITLE LLC |
| Oct 4, 2021 | Warranty Deed, Transfer · Commercial Mortgage LANE AND JOHNSON HOLDINGS LLC |
| Apr 24, 2017 | Loan Modification, Mortgage HAROLD & DELORES RUDD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2026 · Amount on File |
| Deed Sale | Jun 15, 2026 · Amount on File |
| Prior Sale | Mar 14, 2022 · Amount on File |
| Deed Document Number | 20262547491 |
| Deed Book / Page | 3386 / 745 |
| Prior Transfer Date | Jun 18, 2015 |
| Prior Transfer Doc | 0027460904 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 2, 2026 |
| Property Address | 31031 AVENUE A, BIG PINE KEY, FL 33043-4574 |
| Document Number | 0002550091 |
| Book / Page | 3389 / 2391 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 20262550091 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 8950 SW 74TH CT, 1907, MIAMI, FL 33156-3178 |
| Document Number | 0002550091, |
|---|---|
| Date | Jul 2, 2026 |
| Book Page | 3389/2391 |
| Instrument | 20262550091 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 16, 2026 |
| Property Address | 31031 AVENUE A, BIG PINE KEY, FL 33043-4574 |
| Document Number | 0002560810 |
| Book / Page | 3402 / 1686 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 20262560810 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 8950 SW 74TH CT, 1907, MIAMI, FL 33156-3178 |
| Document Number | 0002560810, |
|---|---|
| Date | Sep 16, 2026 |
| Book Page | 3402/1686 |
| Instrument | 20262560810 |
| Name | FIRST HORIZON BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 15, 2026 |
| Property Address | 31031 AVENUE A, BIG PINE KEY, FL 33043-4574 |
| Document Number | 0002547491 |
| Book / Page | 3386 / 745 |
| Instrument Date | May 20, 2026 |
| Instrument | 20262547491 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $707,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 8950 SW 74TH CT, 1907, MIAMI, FL 33156-3178 |
| Document Number | 0002547492, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 20262547492 |
| Name | FIRST HORIZON BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 14, 2022 |
| Property Address | 31031 AVENUE A, BIG PINE KEY, FL 33043-4574 |
| Document Number | 0031601917 |
| Book / Page | 3160 / 1917 |
| Map Reference | MB 1 PG 65 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 2365708 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2022 |
| Title Company | ABSOLUTE FIRST TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $4,725.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5301 DEMPSTER ST STE 300, 5301, SKOKIE, IL 60077-1857 |
| Name | Verified Name |
|---|---|
| Address | 14565 NW 26TH AVE, OPA LOCKA, FL 33054-3123 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 4, 2021 |
| Property Address | 31031 AVENUE A, BIG PINE KEY, FL 33043-4574 |
| Document Number | 0031291898 |
| Book / Page | 3129 / 1898 |
| Map Reference | MB 1 PG 65 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 2342585 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Title Company | ABSOLUTE FIRST TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 101925 OVERSEAS HWY, 101925, KEY LARGO, FL 33037-4586 |
| Name | Verified Name |
|---|
| Document Number | 31291900 |
|---|---|
| Date | Oct 4, 2021 |
| Instrument | 3129/1900 |
| Name | LANE AND JOHNSON HOLDINGS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 104 Months |
| Due | Jun 13, 2030 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 31031 AVENUE A, BIG PINE KEY, FL 33043-4574 |
| Document Number | 0028511591 |
| Book / Page | 002851 / 001591 |
| Instrument Date | Apr 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2017 |
| Name | Verified Name |
|---|---|
| Address | 101925 OVERSEAS HWY KEY LARGO FL 330374586, KEY LARGO, FL 33037-4586 |
| Document Number | 0028511591 |
|---|---|
| Date | Apr 28, 2017 |
| Book Page | 002851/001591 |
| Instrument | 2120925 |
| Name | HAROLD & DELORES RUDD |
|---|---|
| Address | 27456 MARTINIQUE LN, RAMROD KEY, FL 33042-5418 |
| Amount | Amount on Record |
|---|---|
| Term | 156 Months |
| Due | Apr 27, 2030 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
The 2025 property tax bill for 31031 Ave A was $5,647, up 12.3% from the year before.
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 | $5,647.00 (+12.31%) | $620,740 Land $455,400 Building $165,340 | $620,740 Land $455,400 Building $165,340 |
| 2024 | $5,028.00 (+0.36%) | ||
| 2023 | $5,010.00 (-0.3%) | $555,458 (-0.02%) Land $345,000 Building $210,458 | $555,458 (-0.02%) Land $345,000 Building $210,458 |
| 2022 | $5,025.00 | $555,586 Land $345,000 Building $210,586 | $555,586 Land $345,000 Building $210,586 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31031 Ave A in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File median of 369 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 369 in force |
| Nearby Flood Claims | 381 (1998–2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
The area around 31031 Ave A has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 224 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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