Monroe County property record for 31581 Ave D, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 942 sqft · built 2019 |
| Lot Size | 0.1 acres (4,375 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $650,000 (Jan 2021) |
| Tax Bill | $6,845 (2024) |
| Deeds & Mortgages | Mar 2023 Mortgage Jan 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00308670-000000 |
| Primary APN | 00308670-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 942 sqft Living Area |
| Gross Area | 1,392 sqft |
| 1st Floor Area | 936 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Mobile Home |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,375 sqft (0.1 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 450 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 136 sqft |
| Deck Area | 384 sqft |
| Patio Area | 596 sqft |
| Boat Access | Boat Access |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1380792 |
|---|---|
| Street Address | 31581 AVENUE D |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-4531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 32-A LT 8 BIG PINE COVE PB3-131 BIG PINE KEY OR151-316/317 OR851-2115 OR851-2116 OR1173-2460 OR2947-1191 OR3072-0480 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 25 |
| Legal Subdivision | BIG PINE COVE |
| Legal Lot Number | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 971401 |
Source: Monroe County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 31581 AVENUE D, BIG PINE KEY, FL 33043-4531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2023 | Deed of Trust, Mortgage · SBA Mortgage NEWTEK SMALL BUSINESS FINANCE LLC |
| Jan 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 5, 2019 | Quit Claim Deed, Transfer · Line of Credit FIRST ST BK/FL KEYS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2021 · Amount on Record |
| Deed Sale | Jan 29, 2021 · Amount on Record |
| Prior Sale | Feb 5, 2019 · Amount on Record |
| Deed Document Number | 20212301623 |
| Deed Book / Page | 3072 / 480 |
| Prior Transfer Date | Jan 18, 2019 |
| Prior Transfer Doc | 0029471191 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 31581 AVENUE D, BIG PINE KEY, FL 33043-4531 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 31581 AVENUE D, BIG PINE KEY, FL 33043-4531 |
| Document Number | 0032152138 |
|---|---|
| Date | Mar 15, 2023 |
| Book Page | 3215/2138 |
| Instrument | 2410203 |
| Name | NEWTEK SMALL BUSINESS FINANCE LLC |
|---|---|
| Address | NEW HYDE PARK, NY 11042 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 1, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 29, 2021 |
| Property Address | 31581 AVENUE D, BIG PINE KEY, FL 33043-4531 |
| Document Number | 0030720480 |
| Book / Page | 3072 / 480 |
| Map Reference | MB 3 PG 131 |
| Instrument Date | Jan 29, 2021 |
| Instrument | 2301623 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | TRUE TITLE FLORIDA KEYS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31581 AVENUE D, 31581, BIG PINE KEY, FL 33043-4531 |
| Name | Verified Name |
|---|---|
| Address | 31581 AVENUE D, BIG PINE KEY, FL 33043-4531 |
| Document Number | 0003072482 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 3072/482 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 5, 2019 |
| Property Address | 31581 AVENUE D, BIG PINE KEY, FL 33043-4531 |
| Document Number | 0029471191 |
| Book / Page | 002947 / 001191 |
| Instrument Date | Jan 18, 2019 |
| Instrument | 2204518 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2019 |
| Title Company | TRUE TITLE, TRUETITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,152.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 31581 AVENUE D BIG PINE KEY FL 330434531, BIG PINE KEY, FL 33043-4531 |
| Document Number | 29471199 |
|---|---|
| Date | Feb 5, 2019 |
| Book Page | 002947/001199 |
| Instrument | 2204521 |
| Name | FIRST ST BK/FL KEYS |
|---|---|
| Type | Bank |
| Address | KEY WEST, FL 33040 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 4, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
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 | $778,074 (+6.72%) Land $323,869 Building $454,205 | $778,074 (+6.72%) Land $323,869 Building $454,205 | |
| 2024 | $6,845.00 (+6.77%) | ||
| 2023 | $6,411.00 (+13.41%) | $729,056 (+26.34%) Land $428,265 Building $300,791 | $729,056 (+26.34%) Land $428,265 Building $300,791 |
| 2022 | $5,653.00 | $577,062 Land $275,490 Building $301,572 | $577,062 Land $275,490 Building $301,572 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
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 |
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