Monroe County property record for 31546 Ave D, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,260 sqft · built 2022 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $82,500 (Aug 2020) |
| Tax Bill | $5,092 (2024) |
| Deeds & Mortgages | Apr 2022 Construction Loan Aug 2020 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00308510-000000 |
| Primary APN | 00308510-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 848 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Wood Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 192 sqft |
| Fence | Fence |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air |
| Account Number | 1380636 |
|---|---|
| Old Parcel Number | 25662900308510000000 |
| Street Address | 31546 AVENUE D |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-4529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 22 LT 13 BIG PINE COVE BIG PINE KEY PB3-131 OR413-343/344 OR416-447E OR657-390 OR782-1920 OR876-1113 OR933-1944 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 25 |
| Legal Subdivision | BIG PINE COVE |
| Legal Block | 22 |
| Legal Lot Number | 13 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 971401 |
31546 Ave D is owned and occupied by two individuals who bought it in August 2020.
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 31546 AVENUE D, BIG PINE KEY, FL 33043-4529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 4, 2022 | Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK |
| Aug 25, 2020 | Grant Deed, Transfer BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY |
| Sep 24, 2019 | Deed in Lieu of Foreclosure, Foreclosure STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2020 · Amount on File |
| Deed Sale | Aug 25, 2020 · Amount on File |
| Prior Sale | Sep 24, 2019 · Amount on File |
| Deed Document Number | 2278863 |
| Deed Book / Page | 3039 / 2403 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 31546 AVENUE D, BIG PINE KEY, FL 33043-4529 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3398 BANKS MOUNTAIN DR, GAINESVILLE, GA 30506-4110 |
| Document Number | 0031650141 |
|---|---|
| Date | Apr 4, 2022 |
| Book Page | 3165/141 |
| Instrument | 2368791 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Apr 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 6.25% |
| Index | Other |
| Max Rate | 10.2% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 25, 2020 |
| Property Address | 31546 AVENUE D, BIG PINE KEY, FL 33043-4529 |
| Document Number | 0030392403 |
| Book / Page | 003039 / 002403 |
| Instrument Date | May 15, 2020 |
| Instrument | 2278863 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2020 |
| Title Company | BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Tax | $578.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3398 BANKS MOUNTAIN DR GAINESVILLE GA 305064110, GAINESVILLE, GA 30506-4110 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 24, 2019 |
| Property Address | 31546 AVENUE D, BIG PINE KEY, FL 33043-4529 |
| Document Number | 0029860384 |
| Book / Page | 002986 / 000384 |
| Instrument Date | Sep 20, 2019 |
| Instrument | 2237872 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 22, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,258.94 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 1 HOME CAMPUS DES MOINES IA 503280001, DES MOINES, IA 50328-0001 |
| Investor | Possibly a Property Investor |
Source: Monroe County assessment roll, as of July 1, 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 | $562,920 Land $220,000 Building $342,920 | $562,920 Land $220,000 Building $342,920 | |
| 2024 | $5,092.00 (+8.97%) | ||
| 2023 | $4,673.00 (+283.03%) | $522,497 (+364.44%) Land $207,500 Building $314,997 | $522,497 (+364.44%) Land $207,500 Building $314,997 |
| 2022 | $1,220.00 | $112,500 Land $112,500 | $112,500 Land $112,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31546 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.
The area around 31546 Ave D 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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures