Monroe County property record for 632 Elma Ave, Big Pine Key, FL 33043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 882 sqft · built 1958 |
| Lot Size | 0.129 acres (5,625 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,501 (2024) |
| Flood Zone | Zone VE (high risk) |
| APN | 00246470-000300 |
| Primary APN | 00246470-000300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 882 sqft Living Area |
| 1st Floor Area | 867 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Masonry |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 5,625 sqft (0.129 acres) |
| Porch | Open Porch |
| Porch Area | 121 sqft |
| Boat Access | Boat Access |
| Cooling System | None |
|---|
| Account Number | 8926855 |
|---|---|
| Street Address | 632 ELMA AVE |
| City | BIG PINE KEY |
| State | FL |
| Zip | 33043-3328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK B W 50FT OF E 200FT OF LT 6 AND W 50FT OF E 200FT OF S 1/2 LT 7 PINEY POINT SUB PB3-88 BIG PINE KEY OR63-320/21 OR87-284 |
| Legal Range | 29E |
| Legal Township | 66S |
| Legal Section | 34 |
| Legal Subdivision | PINEY POINT SUBD |
| Legal Block | B |
| Legal Lot Number | 6-7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 971401 |
632 Elma Ave is owned by two individuals who acquired it in January 2012.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4160 DUNMORE DR, LAKE WALES, FL 33859-5742 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 1, 2012 |
| Deed Sale | Jan 1, 2012 |
| Deed Document Number | 0026791319 |
| Record Updated | Jun 8, 2026 |
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 | $351,162 Land $208,256 Building $142,906 | $351,162 Land $208,256 Building $142,906 | |
| 2024 | $3,501.00 (+7.89%) | ||
| 2023 | $3,245.00 (+9.3%) | $338,375 (+16.65%) Land $206,801 Building $131,574 | $338,375 (+16.65%) Land $206,801 Building $131,574 |
| 2022 | $2,969.00 | $290,074 Land $158,765 Building $131,309 | $290,074 Land $158,765 Building $131,309 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 632 Elma Ave in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 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 632 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 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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