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

Monroe County property record for 680 Elma Ave, Big Pine Key, FL 33043 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,018 sqft · built 1971
Lot Size	0.662 acres (28,830 sqft)
Owner	Company Name on File
Last Sale	$3,475,000 (May 2026)
Tax Bill	$12,176 (2025)
Deeds & Mortgages	May 2026 Sale Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone VE (high risk)
APN	`00246430-000100`

Property Details

APN / Parcel Number

Primary APN	`00246430-000100`
Alternative APNs	`34662900246430000100` `1316091`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,018 sqft Living Area
Gross Area	2,369 sqft
1st Floor Area	1,160 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2011
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	28,830 sqft (0.662 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	351 sqft

Exterior Amenities

Porch	Slab
Porch Area	620 sqft
Patio Area	90 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	1316091
Street Address	680 ELMA AVE
City	BIG PINE KEY
State	FL
Zip	33043-3328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINEY POINT SUB PB3-88 BIG PINE KEY PT LTS 2 - 3 BLK B AND R/W (AKA UNRECORDED RESUB PINEY POINT SUB TR H AND I AND ADJ FILLED SUBMERGED LANDS PT OF II D23980 (1606-44) OR63-187 OR98-257 OR318-560 OR436-563E OR437-132 OR443-49 OR578-352 OR578-353 OR1
Legal Range	29E
Legal Township	66S
Legal Section	34
Legal Subdivision	PINEY POINT SUBD
Legal Tract	H
Legal Block	B,R
Legal Lot Number	2-3
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2050
Census Tract	971401

Owner

Source: Monroe County records · APN 00246430-000100

Assessment roll updated December 8, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	5900 US HIGHWAY 42, LOUISVILLE, KY 40241-5806
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Nov 15, 2022	Warranty Deed, Transfer · Commercial Mortgage FM BOULDER HWY LLC
May 05, 2020	Reverse Mortgage, Transfer NATIONWIDE EQUITIES
Dec 01, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 22, 2026 · Amount on Record
Deed Sale	May 22, 2026 · Amount on Record
Prior Sale	Jan 30, 1998
Deed Document Number	20262544595
Deed Book / Page	3382 / 751
Prior Transfer Date	Nov 04, 2022
Prior Transfer Doc	0002397702
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 22, 2026
Property Address	680 ELMA AVE, BIG PINE KEY, FL 33043-3328
Document Number	0002544595
Book / Page	3382 / 751
Instrument Date	May 19, 2026
Instrument	20262544595
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$2,456,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	5900 US HIGHWAY 42, LOUISVILLE, KY 40241-5806

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 15, 2022
Property Address	680 ELMA AVE, BIG PINE KEY, FL 33043-3328
Document Number	0032011490
Book / Page	3201 / 1490
Map Reference	MB 3 PG 88
Instrument Date	Nov 15, 2022
Instrument	2397700
Transaction Type	Transfer
Record Updated	Dec 02, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$10,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10886 N STATE ROAD 267, 10886, BROWNSBURG, IN 46112-9296

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 ELMA AVE, BIG PINE KEY, FL 33043-3328

Mortgage

Document Number	0032011494
Date	Nov 15, 2022
Instrument	3201/1494

Lender

Name	FM BOULDER HWY LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2020: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	MONROE FL
Recording Date	May 05, 2020
Property Address	680 ELMA AVE, BIG PINE KEY, FL 33043-3328
Document Number	0030202396
Book / Page	003020 / 002396
Instrument Date	Apr 29, 2020
Instrument	2265105
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	DOCPROBE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	680 ELMA AVE BIG PINE KEY FL 330433328, BIG PINE KEY, FL 33043-3328

Mortgage

Document Number	30202400
Date	May 05, 2020
Book Page	003020/002400
Instrument	2265106

Lender

Name	NATIONWIDE EQUITIES
Type	Funding / Finance Company
Address	1 INTERNATIONAL BLVD # 1202, MAHWAH, NJ 07495-0031

Agreement

Amount	Amount Recorded
Term	732 Months
Due	May 04, 2081

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	680 ELMA AVE, BIG PINE KEY, FL 33043-3328
Document Number	0028982325
Instrument Date	Dec 01, 2017
Transaction Type	Mortgage
Record Updated	Apr 11, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	680 ELMA AVE BIG PINE KEY FL 330433328, BIG PINE KEY, FL 33043-3328

Mortgage

Document Number	0028982325
Date	Apr 02, 2018
Book Page	002898/002325
Instrument	2162121

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2048

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,176.00 (+7.45%)	$1,306,283 (+6.18%) Land $794,078 Building $512,205	$1,306,283 (+6.18%) Land $794,078 Building $512,205
2024	$11,332.00 (+1.4%)
2023	$11,176.00 (+79.82%)	$1,230,241 (+79.59%) Land $784,276 Building $445,965	$1,230,241 (+41.52%) Land $784,276 Building $445,965
2022	$6,215.00 Senior Citizen's exemption	$685,034	$869,333 Land $563,727 Building $305,606

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879714012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone VE coastal, wave action
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 690 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 418 claims Hurricane Wilma, Oct 2005 · 219 claims Hurricane Georges, Sep 1998 · 315 claims

Wildfire

Wildfire Risk	Low above 2% of the US · above 2% of Florida
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 27 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
AT&T	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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