Monroe County property record for 551 Elma Ave, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,304 sqft · built 1988 |
| Lot Size | 0.69 acres (30,033 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $322,500 (Nov 2015) |
| Tax Bill | $2,922 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2023 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00246250-000000 |
| Primary APN | 00246250-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,304 sqft Living Area |
| 1st Floor Area | 984 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 30,033 sqft (0.69 acres) |
| Garage Type | Covered |
| Garage Area | 672 sqft |
| Porch | Slab |
| Porch Area | 734 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1315877 |
|---|---|
| Street Address | 551 ELMA AVE |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-3339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS-M |
| Legal Description | BK A LT 1 PINEY POINT SUB PB3-88 BIG PINE KEY OR572-799 OR815-591 OR1164-2187 OR1649-1828 OR2416-222/23 OR2653-1022 OR2768-2039/40 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 34 |
| Legal Subdivision | PINEY POINT SUBD |
| Legal Block | A |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 971401 |
551 Elma Ave is owned and occupied by two individuals who bought it in November 2015.
Source: Monroe County records, as of July 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 551 ELMA AVE, BIG PINE KEY, FL 33043-3339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jul 13, 2026 | Deed of Trust, Mortgage · VA Mortgage NEXT LOAN FINANCIAL |
| Apr 17, 2023 | Deed of Trust, Mortgage ALLEGHENY CASUALITY COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2015 · Amount on File |
| Deed Sale | Nov 9, 2015 · Amount on File |
| Prior Sale | Oct 8, 2013 · Amount on File |
| Deed Document Number | 20152052512 |
| Deed Book / Page | 2768 / 2039 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 13, 2026 |
| Property Address | 551 ELMA AVE, BIG PINE KEY, FL 33043-3339 |
| Document Number | 0002551570 |
| Book / Page | 3391 / 2096 |
| Instrument Date | May 23, 2026 |
| Instrument | 20262551570 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 551 ELMA AVE, BIG PINE KEY, FL 33043-3339 |
| Document Number | 0002551570, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 3391/2096 |
| Instrument | 20262551570 |
| Name | NEXT LOAN FINANCIAL |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 551 ELMA AVE, BIG PINE KEY, FL 33043-3339 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 551 ELMA AVE, BIG PINE KEY, FL 33043-3339 |
| Document Number | 0032202392 |
|---|---|
| Date | Apr 17, 2023 |
| Book Page | 3220/2392 |
| Instrument | 2414258 |
| Name | ALLEGHENY CASUALITY COMPANY |
|---|---|
| Type | Non-Lending Institution |
| Address | WESTLAKE VILLAGE, CA 91359 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 551 Elma Ave was $2,922 with a homeowner's exemption, up 5.1% 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 | $2,922.00 (+5.07%) Homeowner's exemption | $277,435 | $396,652 Land $211,282 Building $185,370 |
| 2024 | $2,781.00 (+5.7%) | ||
| 2023 | $2,631.00 (+2.69%) Homeowner's exemption | $261,765 (+3%) | $383,500 (+13.75%) Land $211,282 Building $172,218 |
| 2022 | $2,562.00 Homeowner's exemption | $254,141 | $337,140 Land $160,977 Building $176,163 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 551 Elma Ave 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 690 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 690 in force |
| Nearby Flood Claims | 982 (1980–2022) |
| Claims Outside the SFHA | 2 of 982 |
| 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 551 Elma Ave 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 93% of the US · lower than 94% 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 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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