Monroe County property record for 31131 Ave D, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,040 sqft · built 1963 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $460,000 (Feb 2026) |
| Tax Bill | $3,522 (2024) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Dec 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00303720-000000 |
| Primary APN | 00303720-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Florida Room |
|---|---|
| Porch Area | 336 sqft |
| Deck Area | 12 sqft |
| Patio Area | 12 sqft |
| Cooling System | Wall Unit |
|---|
| Account Number | 1375772 |
|---|---|
| Street Address | 31131 AVENUE D |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-4525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 29 LT 3 SANDS SUB PB1-65 BIG PINE KEY OR409-796 OR805-2412D/C OR899-127 OR913-1144/46 OR962-2013 OR1010-182 OR1302-1778 OR1644-172/73F/J OR1657-474 OR3206-0048 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 25 |
| Legal Subdivision | SANDS SUBD |
| Legal Block | 29 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 971401 |
31131 Ave D is owned and occupied by an individual who bought it in February 2026.
Source: Monroe County records, as of March 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 31131 AVENUE D, BIG PINE KEY, FL 33043-4525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
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 |
|---|---|
| Feb 19, 2026 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 19, 2026 · Amount on File |
| Deed Sale | Feb 19, 2026 · Amount on File |
| Prior Sale | Dec 22, 2022 · Amount on File |
| Deed Document Number | 20262532795 |
| Deed Book / Page | 3367 / 390 |
| Prior Transfer Date | Feb 17, 2026 |
| Prior Transfer Doc | 0033670390 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 19, 2026 |
| Property Address | 31131 AVENUE D, BIG PINE KEY, FL 33043-4525 |
| Document Number | 0033670390 |
| Book / Page | 3367 / 390 |
| Map Reference | MB 1 PG 65 |
| Instrument Date | Feb 17, 2026 |
| Instrument | 2532795 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 32628 TULSA LN, SAN ANTONIO, FL 33576-7102 |
| Name | Verified Name |
|---|---|
| Address | 31131 AVENUE D, BIG PINE KEY, FL 33043-4525 |
| Investor | Possibly a Property Investor |
| Document Number | 0003367392 |
|---|---|
| Date | Feb 19, 2026 |
| Instrument | 3367/392 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Jul 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.62% |
| Max Rate At Change | 5.62% |
| Index | 1-Year CMT |
| Max Rate | 5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 22, 2022 |
| Property Address | 31131 AVENUE D, BIG PINE KEY, FL 33043-4525 |
| Document Number | 0032060048 |
| Book / Page | 3206 / 48 |
| Map Reference | MB 1 PG 65 |
| Instrument Date | Dec 15, 2022 |
| Instrument | 2401487 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2023 |
| Title Company | ABC TITLE AGENCY LLC, SABO TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 29109 POINSETTIA LN, BIG PINE KEY, FL 33043-6020 |
| Name | Verified Name |
|---|---|
| Address | 31131 AVENUE D, BIG PINE KEY, FL 33043-4525 |
| Document Number | 0000320650 |
|---|---|
| Date | Dec 22, 2022 |
| Instrument | 3206/50 |
| Name | CELEBRITY HOME LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
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 | $392,667 Land $220,000 Building $172,667 | $392,667 Land $220,000 Building $172,667 | |
| 2024 | $3,522.00 (-0.59%) | ||
| 2023 | $3,543.00 (+246.67%) | $328,113 (+371.37%) Land $207,500 Building $120,613 | $328,113 (+16.88%) Land $207,500 Building $120,613 |
| 2022 | $1,022.00 Senior Citizen's exemption | $69,608 | $280,729 Land $160,000 Building $120,729 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 31131 Ave D 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.
Wildfire risk around 31131 Ave D 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 Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 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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