640 Elma Ave, Big Pine Key, FL 33043 Property Records

Monroe County property record for 640 Elma Ave, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,712 sqft · built 2019
Lot Size	0.525 acres (22,875 sqft)
Owner	2 Company Names on Record
Last Sale	$5,300,000 (Aug 2023)
Tax Bill	$20,110 (2024)
Deeds & Mortgages	Aug 2023 Sale
Flood Zone	Zone VE (high risk)
APN	`00246460-000000`

Property Details

APN / Parcel Number

Primary APN	`00246460-000000`
Alternative APNs	`34662900246460000000` `1316121`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,712 sqft Living Area
1st Floor Area	2,020 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	22,875 sqft (0.525 acres)
View / Lot	Waterfront
Garage Type	Covered
Garage Area	704 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Florida Room
Deck Area	128 sqft
Patio Area	1,403 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1316121
Street Address	640 ELMA AVE
City	BIG PINE KEY
State	FL
Zip	33043-3328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ISM
Legal Description	BK B LT 5 & .5AC BAY BTM PINEY POINT SUB PB3-88 BIG PINE KEY (II DEED 22118) OR63-322 OR384-790 OR916-2295 OR1138-1372 OR1142-1579 OR1312-1101 OR1557-448 OR1877-482 OR1911-1484 OR1911-1505 OR2323-2210 OR3240-0536 OR3272-0536 OR3276-0284
Legal Range	29E
Legal Township	66S
Legal Section	34
Legal Subdivision	PINEY POINT SUBD
Legal Block	B
Legal Lot Number	5
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2050
Census Tract	971401

Owner

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 Company Names on Record
Mailing Address	7 DALTON ST, DANIEL ISLAND, SC 29492-7960
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2023 · Amount on Record
Deed Sale	Aug 28, 2023 · Amount on Record
Prior Sale	Oct 2, 2007 · Amount on Record
Deed Document Number	20232429891
Deed Book / Page	3240 / 536
Prior Transfer Date	Apr 19, 2023
Prior Transfer Doc	0032720536
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 28, 2023
Property Address	640 ELMA AVE, BIG PINE KEY, FL 33043-3328
Document Number	0032400536
Book / Page	3240 / 536
Map Reference	MB 3 PG 88
Instrument Date	Aug 24, 2023
Instrument	2429891
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$37,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	680 ELMA AVE, BIG PINE KEY, FL 33043-3328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 WAPPOO CREEK DR STE 605, 605, CHARLESTON, SC 29412-2157

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$2,289,896 (+68.46%) Land $828,042 Building $1,461,854	$2,289,896 (+1.83%) Land $828,042 Building $1,461,854
2024	$20,110.00 (+68.75%)
2023	$11,917.00 (+2.69%) Homeowner's exemption	$1,359,296 (+3%)	$2,248,646 (+39.38%) Land $819,235 Building $1,429,411
2022	$11,605.00 Homeowner's exemption	$1,319,705	$1,613,319 Land $590,257 Building $1,023,062

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record 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	Hurricane Irma, Sep 2017 · 418 claims Hurricane Wilma, Oct 2005 · 219 claims Hurricane Georges, Sep 1998 · 315 claims

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

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.

Internet Providers

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