$3,695,000
$205K PRICE DROP

680 Elma Ave Big Pine Key, FL 33043

Estimated payment $20,688/month

Total Views 46,645
4 Beds
3.5 Baths
2,050 Sq Ft
$1,802 Price per Sq Ft

Highlights

  • Ocean Front
  • Boat Lift
  • Boat Slip
  • Dock made with wood
  • Sandy Beach
  • Heated In Ground Pool

About This Home

RARE west-facing private estate offering sunset views, owned bay bottom, and exceptional boating access. Welcome to Tarpon Cove, an exclusive retreat located in Big Pine Key, surrounded by the Florida Key Deer Preserve for unmatched privacy and natural beauty.The concrete residence has been meticulously reconstructed through a down-to-the-studs renovation, resulting in a 2023 effective age and is insurance-rated as a 2023 build, offering modern construction confidence and peace of mind. The home features 4 bedrooms and 3.5 bathrooms, ready for immediate enjoyment.A gated entrance and long, tree-lined driveway lead to a fully fenced, beautifully landscaped estate with hard to find privacy. Construction highlights include a metal roof, impact-resistant windows and doors, and updated systems throughout. Inside, open-concept living spaces are filled with natural light, with stunning water views from nearly every room. The chef's kitchen features quartz countertops, a Samsung Bespoke appliance package, and a professional-grade gas cooktop.Outdoor living is exceptional with expansive ocean-side dockage offering power and water, room for multiple boats, and a covered, lighted fish-cleaning station. Ownership of the surrounding bay bottom adds rare value and enhanced waterfront enjoyment. Additional features include a tiki hut with outdoor kitchen, 600 sq ft detached garage, covered parking, RV hookup, and ample storage.A rare opportunity to own a private, west-facing luxury estate combining modern construction, boating lifestyle, and breathtaking sunsets.

Listing Agent

Sandra Tuttle

Island Welcome Real Estate License #3093204 Listed on: 11/23/2025

Island Welcome Real Estate

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $11,333

Year Built

  • Built in 1971 | Remodeled

Lot Details

  • 28,830 Sq Ft Lot
  • Ocean Front
  • Home fronts a canal
  • Sandy Beach
  • Privacy Fence
  • Fenced
  • Property is zoned ISM - Improved Sub Masonry

Property Views

  • Ocean
  • Canal

Home Design

  • Split Level Home
  • Metal Roof

Interior Spaces

  • 2,050 Sq Ft Home
  • 3-Story Property
  • Ceiling Fan
  • Self Contained Fireplace Unit Or Insert
  • Blinds
  • Sliding Doors
  • Workshop
  • Storage

Kitchen

  • Oven
  • Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Quartz Countertops
  • Built-In or Custom Kitchen Cabinets

Flooring

  • Wood
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Walk-In Closet

Laundry

  • Dryer
  • Washer

Home Security

  • Impact Glass
  • Fire and Smoke Detector

Parking

  • 4 Car Garage
  • Carport
  • Automatic Garage Door Opener
  • Electric Gate
  • Guest Parking
  • RV or Boat Parking

Pool

  • Heated In Ground Pool
  • Spa
  • Fiberglass Pool
  • Pool Deck

Outdoor Features

  • Davits
  • Seawall
  • Boat Lift
  • Boat Slip
  • Dock made with wood
  • Balcony
  • Deck
  • Outdoor Kitchen
  • Exterior Lighting
  • Outdoor Storage
  • Tiki or Chickee Hut
  • Rain Gutters

Utilities

  • Central Heating and Cooling System
  • Ductless Heating Or Cooling System
  • Heat Pump System
  • Propane
  • Public Hookup Available For Sewer
  • Cable TV Available

Community Details

  • No Home Owners Association
  • Piney Point Sub Subdivision
  • Rental Restrictions
  • RV Parking in Community

Listing and Financial Details

  • Assessor Parcel Number 00246430-000100

Home Details

Home Type

Single Family

Est. Annual Taxes

$11,333

Year Built

Built in 1971 | Remodeled

Lot Details

0.66 Acres

Listing Details

  • Property Type: Residential
  • Style: Single Family
  • Additional Assessor Parcel Number 1: 00112120-000000
  • As Is Right To Inspect: Yes
  • First Right of Refusal: No
  • Mandatory HOA: No
  • Dockage Dock: Wood
  • Dockage Seawall: Concrete
  • Fee Includes: None
  • Key Island: Big Pine Key
  • Limited Representation: No
  • Marathon Neighborhood: N/A
  • Mile Marker: 29.50
  • Min Rental Days: 28.00
  • M L S Identifier: 20060123165453488875000000
  • Off Shore Island: No
  • Pets: Pets Allowed
  • Property Group I D: 19990816212109142258000000
  • Side: Ocean
  • State Province: FL
  • Taxes: 11332.59
  • Title: Negotiable
  • Vehicle Storage: Garage, Covered Parking, RV Parking Open, Guest Parking, Auto Door Opener, Detached, Attached, Carport
  • Vehicle Storage Cars: 4+
  • Year Built: 1971
  • Alternate Key Number: 1316091
  • Building Style: Split Level
  • Cooling Heating: Central Air, Ductless, Ceiling Fans(s), Heat Pump
  • Lot Sq Ft: 28830.00
  • Pool Info: In Ground, Decked, Fiberglass
  • Pool Info Heated: Yes
  • Porch Balcony: Open Porch/Balcony, Deck
  • Species List: Yes
  • Tax Exemptions: None
  • Building Style Above Flood: No
  • Building Style Stories: 3 Stories
  • Estimated Living Sq Ft: 2050.00
  • Pool Info Other: Has a chiller
  • Pre Wired: Cable
  • Property Condition: Updated/Remodeled
  • Sewer Hook Up: Yes
  • Statistical Purposes Only: No
  • Special Features: None
  • Property Sub Type: Detached
  • Stories: 3

Interior Features

  • Interior Amenities: Drapes/Blinds Incl, Built-in Cabinets, Quartz Countertops, Window Treatments, Walk-in Closet(s), Storage, Smoke Alarms
  • Total Bathrooms: 4.00
  • Full Bathrooms: 3
  • Appliances: Washer, Stainless Steel Appliance(s), Gas Appliances, Microwave, Oven, Refrigerator, Dishwasher, Dryer
  • Floor: Tile, Other, Wood
  • Half Bathrooms: 1
  • Specialty Rooms: Workshop
  • Windows/Doors: Sliding Glass Doors, Impact Rstnce Window, Impact Rstnce Doors
  • Appliances Other: Gas Cooktop
  • Total Bedrooms: 4

Exterior Features

  • Dockage: Davits, Basin, Boat Slip, Boat Lift
  • Waterfront: Oceanfront, Open Water, Canal Front
  • Waterfront: Yes
  • Construction: CBS
  • Exterior Features: Chickee Hut, Storage, Sandy Beach, Privacy Wall/Fence, Outdoor Kitchen, Lighting, Hot Tub, Rain Gutters, Fencing
  • Roof: Metal Roof
  • Waterview: Ocean View, Open Water View, Canal View
  • Pool: Yes

Utilities

  • Security: Electric Gate
  • Utilities: FKAA, Propane, Municipal Sewer
  • Heating: Central, Heat Pump, Fireplace Insert, Electric

Lot Info

  • Deed Restrictions: Unknown
  • Flood Zone: VE,AE
  • Parcel Number: 00246430-000100
  • Lot Size: 107X263X80X160X25X405
  • Land Size: 1/2 - Less Than 1 AC
  • Acres: 0.66

Rental Info

  • Rentals Allowed: With Restrictions
  • Furnished: Negotiable

Tax Info

  • Tax Year: 2024

Multi Family

  • Total Units: 1.00

Map

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $11,333 $1,306,283 $794,078 $512,205
2024 $11,177 $1,242,833 $784,276 $458,557
2023 $11,177 $1,230,241 $784,276 $445,965
2022 $6,215 $685,034 $0 $0
2021 $723 $665,082 $382,386 $282,696
2020 $6,474 $693,829 $455,902 $237,927
2019 $6,495 $693,844 $455,902 $237,942
2018 $7,447 $777,000 $0 $0
2017 $7,504 $761,019 $0 $0
2016 $696 $958,809 $0 $0
2015 -- $740,186 $0 $0
2014 -- $653,678 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
02/11/2026 02/11/26 Price Changed $3,695,000 -5.3% $1,802 / Sq Ft
11/23/2025 11/23/25 For Sale $3,900,000 -- $1,902 / Sq Ft
Source: Marathon and Lower Keys Association of REALTORS®

Purchase History

Date Type Sale Price Title Company
Warranty Deed $1,450,000 --
Quit Claim Deed -- --
Interfamily Deed Transfer -- Attorney
Interfamily Deed Transfer -- Attorney
Interfamily Deed Transfer -- Attorney
Quit Claim Deed -- Attorney
Interfamily Deed Transfer -- Attorney
Trustee Deed -- --
Warranty Deed $30,000 --
Warranty Deed $280,000 --
Quit Claim Deed -- --
Deed $6,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $2,000,000 New Conventional
Previous Owner $1,719,000 Reverse Mortgage Home Equity Conversion Mortgage
Previous Owner $938,250 Reverse Mortgage Home Equity Conversion Mortgage
Source: Public Records

About the Listing Agent

Sandra Tuttle
Sandra Tuttle

Island Welcome Real Estate

(877) 359-5426

Section Image

Sandy Tuttle is a consistently ranked top real estate producer in the Florida Keys and a leader in the luxury market. Through 21 years of sales, she has facilitated several record-breaking sales, proving that the knowledge, experience, and problem-solving proficiency she cultivates from each deal are unmatched. Her award recognition is extensive, including at her previous company, where she ranked in the .5 percent of all Berkshire agents nationwide! Sandy’s designations include Luxury

View Sandra's Profile

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Source: Marathon and Lower Keys Association of REALTORS®

MLS Number: 617430

APN: 00246430-000100

Florida Monroe County Big Pine Key 33043

680 Elma Ave, Big Pine Key, FL

For Sale

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Sandra Tuttle
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Island Welcome Real Estate
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