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31054 Ave J, Big Pine Key, FL 33043 Property Records

Monroe County property record for 31054 Ave J, Big Pine Key, FL 33043

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,056 sqft · built 2000
Lot Size0.115 acres (5,000 sqft)
Owner2 Individual Names on File
Last Sale$570,000 (Aug 2026)
Tax Bill$4,829 (2025)
Deeds & MortgagesAug 2026 Sale & Mortgage
Feb 2020 Sale
Flood ZoneZone AE (high risk)
APN00307530-000000

Property Details

APN / Parcel Number

Primary APN00307530-000000
Alternative APN
  • 1379697

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,056 sqft Living Area
1st Floor Area1,056 sqft
FlooringConcrete/Cement
Interior WallsMasonry

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2016
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,000 sqft (0.115 acres)
Lot Dimensions100 ft deep x 50 ft wide
Garage TypeCovered
Garage Area528 sqft

Exterior Amenities

PorchOpen Porch
Porch Area494 sqft
Deck Area32 sqft
Patio Area164 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Account Number1379697
Street Address31054 AVENUE J
CityBIG PINE KEY
StateFL
Zip33043-4654
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 54 LT 10 SANDS SUB PB1-65 BIG PINE KEY OR512-602 OR1024-358 OR1392-1434/41EST OR1402-800D/C OR1476-1618/19ORD OR1490-1551/52ORD OR1490-1553/54 OR1490-1555/56 OR1490-1557/58 OR1490-1559/60 OR1566-351D/C OR1598-685 OR1642-827 OR1825-784 OR2629-1718
Legal Range29E
Legal Township66S
Legal Section25
Legal SubdivisionSANDS SUBD
Legal Block54
Legal Lot Number10
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1015
Census Tract971401

Owner

31054 Ave J is owned and occupied by two individuals who bought it in August 2026.

Source: Monroe County records, as of September 3, 2026

Owner of Record2 Individual Names on File
Mailing Address31054 AVENUE J, BIG PINE KEY, FL 33043-4654
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Aug 25, 2026Warranty Deed, Transfer · VA Mortgage
NAVY FEDERAL CREDIT UNION
Feb 28, 2020Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 25, 2026 · Amount on File
Deed SaleAug 25, 2026 · Amount on File
Prior SaleFeb 28, 2020 · Amount on File
Deed Document Number20262558223
Deed Book / Page3399 / 1555
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateAug 25, 2026
Property Address31054 AVENUE J, BIG PINE KEY, FL 33043-4654
Document Number0002558223
Book / Page3399 / 1555
Instrument DateAug 24, 2026
Instrument20262558223
Transaction TypeTransfer
Record UpdatedSep 3, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$402,990.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address31054 AVENUE J, BIG PINE KEY, FL 33043-4654

Mortgage

Document Number0002558224,
DateAug 25, 2026
Instrument20262558224
Lender
NameNAVY FEDERAL CREDIT UNION
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2056
Interest
Max Rate-1%

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateFeb 28, 2020
Property Address31054 AVENUE J, BIG PINE KEY, FL 33043-4654
Document Number0030110200
Book / Page003011 / 000200
Instrument DateFeb 27, 2020
Instrument2257897
Transaction TypeTransfer
Record UpdatedJun 1, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$1,610.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address10531 HERITAGE LN DILLSBORO IN 470188465, DILLSBORO, IN 47018-8465

Tax Assessment & Valuation

The 2025 property tax bill for 31054 Ave J was $4,829, up 7.8% from the year before.

Source: Monroe County assessment roll, as of December 8, 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$4,829.00 (+7.84%)$476,144 Land $220,000 Building $256,144$476,144 Land $220,000 Building $256,144
2024$4,478.00 (+9.22%)
2023$4,100.00 (+8.35%)$442,621 (+11.31%) Land $207,500 Building $235,121$442,621 (+11.31%) Land $207,500 Building $235,121
2022$3,784.00$397,649 Land $160,000 Building $237,649$397,649 Land $160,000 Building $237,649

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 31054 Ave J 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 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 File
median of 369 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies369 in force
Nearby Flood Claims381 (1998–2022)
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 167 claims
  • Hurricane Wilma, Oct 2005 · 76 claims
  • Hurricane Georges, Sep 1998 · 122 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

Wildfire risk around 31054 Ave J is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 184 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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