Monroe County property record for 31240 Ave H, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,544 sqft · built 2003 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $635,000 (May 2026) |
| Tax Bill | $5,378 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage May 2026 Sale & Mortgage + 6 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00306300-000000 |
| Primary APN | 00306300-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,544 sqft Living Area |
| 1st Floor Area | 1,540 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Covered |
| Garage Area | 696 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 577 sqft |
| Deck Area | 40 sqft |
| Patio Area | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1378488 |
|---|---|
| Street Address | 31240 AVENUE H |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-4637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 44 LT 14 SANDS SUB PB1-65 BIG PINE KEY OR425-284/85 OR1118-644 OR1843-1605/06 OR1955-2320 OR2709-1064/66O OR2722-1764/65 OR2722-1766/67 OR2722-1768/69 OR2835-447/49 OR3054-0801 OR3200-0371 OR3219-0764 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 25 |
| Legal Subdivision | SANDS SUBD |
| Legal Block | 44 |
| Legal Lot Number | 14 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 971401 |
31240 Ave H is owned and occupied by an individual who bought it in May 2026.
Source: Monroe County records, as of July 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3761 W STATE ROAD 84, DAVIE, FL 33312-8810 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband 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.
| Date | Document |
|---|---|
| Oct 6, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 29, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR |
| May 29, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC |
| Apr 6, 2023 | Correction Deed ATTORNEY ONLY, ATTORNEY |
| Nov 2, 2022 | Warranty Deed, Transfer · VA Mortgage FIRST HORIZON BANK |
| Nov 16, 2020 | Deed of Trust, Mortgage · FHA Mortgage CENTENNIAL BANK |
| Nov 2, 2020 | Warranty Deed, Transfer · FHA Mortgage CENTENNIAL BANK |
| Jan 18, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 29, 2026 · Amount on File |
| Deed Sale | May 29, 2026 · Amount on File |
| Prior Sale | Nov 2, 2022 · Amount on File |
| Deed Document Number | 20262545336 |
| Deed Book / Page | 3383 / 940 |
| Prior Transfer Date | Apr 6, 2023 |
| Prior Transfer Doc | 0032190764 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 31240 AVENUE H, BIG PINE KEY, FL 33043-4637 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2026 |
| Name | Verified Name |
|---|---|
| Address | 31240 AVENUE H, BIG PINE KEY, FL 33043-4637 |
| Document Number | 0031300253 |
|---|---|
| Date | Oct 6, 2021 |
| Book Page | 3130/253 |
| Instrument | 2342842 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 350 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 29, 2026 |
| Property Address | 31240 AVENUE H, BIG PINE KEY, FL 33043-4637 |
| Document Number | 0002545336 |
| Book / Page | 3383 / 940 |
| Instrument Date | May 28, 2026 |
| Instrument | 20262545336 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $448,945.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0002545337, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 20262545337 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 29, 2026 |
| Property Address | 31240 AVENUE H, BIG PINE KEY, FL 33043-4637 |
| Document Number | 0033830940 |
| Book / Page | 3383 / 940 |
| Instrument Date | May 28, 2026 |
| Instrument | 20262545336 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $448,945.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0002545337, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 20262545337 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 6, 2023 |
| Property Address | 31240 AVENUE H, BIG PINE KEY, FL 33043-4637 |
| Document Number | 0032190764 |
| Book / Page | 3219 / 764 |
| Map Reference | MB 1 PG 65 |
| Instrument Date | Apr 6, 2023 |
| Instrument | 2413059 |
| Record Updated | Apr 26, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 19560 MAYAN ST, SUGARLOAF KEY, FL 33042 |
| Name | Verified Name |
|---|---|
| Address | 31240 AVENUE H, BIG PINE KEY, FL 33043-4637 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 2, 2022 |
| Property Address | 31240 AVENUE H, BIG PINE KEY, FL 33043-4637 |
| Document Number | 0032000371 |
| Book / Page | 3200 / 371 |
| Map Reference | MB 1 PG 65 |
| Instrument Date | Nov 1, 2022 |
| Instrument | 2396443 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,543.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31240 AVENUE H, 31240, BIG PINE KEY, FL 33043-4637 |
| Name | Verified Name |
|---|---|
| Address | 31240 AVENUE H, BIG PINE KEY, FL 33043-4637 |
| Document Number | 0003200374 |
|---|---|
| Date | Nov 2, 2022 |
| Instrument | 3200/374 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Number | 0032000387 |
|---|---|
| Date | Nov 2, 2022 |
| Book Page | 3200/387 |
| Instrument | 2396445 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72223 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 31240 AVENUE H, BIG PINE KEY, FL 33043-4637 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2313 FLAGLER AVE, KEY WEST, FL 33040-3841 |
| Document Number | 0030562111 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 3056/2111 |
| Instrument | 2290900 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 2, 2020 |
| Property Address | 31240 AVENUE H, BIG PINE KEY, FL 33043-4637 |
| Document Number | 0030540801 |
| Book / Page | 3054 / 801 |
| Map Reference | MB 1 PG 65 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 2289199 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | TRUE TITLE FLORIDA KEYS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,695.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 31240 AVENUE E # H, H, BIG PINE KEY, FL 33043-4539 |
| Document Number | 0003054803 |
|---|---|
| Date | Nov 2, 2020 |
| Instrument | 3054/803 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 18, 2017 |
| Property Address | 31240 AVENUE H, BIG PINE KEY, FL 33043-4637 |
| Document Number | 0028350447 |
| Book / Page | 00283 / 000447 |
| Instrument Date | Nov 22, 2016 |
| Instrument | 2107122 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 31240 AVENUE H BIG PINE KEY FL 330434637, BIG PINE KEY, FL 33043-4637 |
| Document Number | 28350450 |
|---|---|
| Date | Jan 18, 2017 |
| Book Page | 002835/000450 |
| Instrument | 2107123 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 17, 2047 |
The 2025 property tax bill for 31240 Ave H was $5,378 with a homeowner's exemption, up 1.7% 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 | $5,378.00 (+1.7%) Homeowner's exemption | $561,586 Land $220,000 Building $341,586 | $561,586 Land $220,000 Building $341,586 |
| 2024 | $5,288.00 (+0.67%) | ||
| 2023 | $5,253.00 (+40.91%) | $530,203 (+36.58%) Land $207,500 Building $322,703 | $530,203 (+36.58%) Land $207,500 Building $322,703 |
| 2022 | $3,728.00 | $388,203 Land $160,000 Building $228,203 | $388,203 Land $160,000 Building $228,203 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31240 Ave H 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 31240 Ave H 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 274 locations within half a mile, as of December 31, 2025
| Provider | Max 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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