Monroe County property record for 1048 Picard Ln, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,404 sqft · built 2019 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100 (Mar 2019) |
| Tax Bill | $5,701 (2024) |
| Deeds & Mortgages | Oct 2022 Transfer May 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00185000-000000 |
| Primary APN | 00185000-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,404 sqft Living Area |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Combination |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Covered |
| Garage Area | 540 sqft |
| Porch | Open Porch |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1236985 |
|---|---|
| Street Address | 1048 PICARD LN |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 8 LT 10 CUTTHROAT HARBOR ESTATES FIRST ADDN CUDJOE KEY PB5-60 OR553-1044 OR1859-1915 OR2127-2285 OR2717-483 OR2955-0286 OR3101-0676 OR3196-1505 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 33 |
| Legal Subdivision | CUTTHROAT HARBOR ESTATES 1ST ADD |
| Legal Block | 8 |
| Legal Lot Number | 10 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 971501 |
Source: Monroe County records, as of March 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1048 PICARD LN, SUMMERLAND KEY, FL 33042-4336 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2022 | Intrafamily Transfer, Transfer |
| May 28, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 10, 2020 | Loan Modification, Mortgage FIRST HORIZON BK |
| Mar 26, 2019 | Quit Claim Deed, Transfer · ARM CAPITAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2019 · Amount on Record |
| Deed Sale | Mar 26, 2019 · Amount on Record |
| Prior Sale | Dec 19, 2014 · Amount on Record |
| Deed Document Number | 20192212266 |
| Deed Book / Page | 2955 / 286 |
| Last Transfer Date | Aug 5, 2022 |
| Transfer Doc | 0031961505 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 6, 2022 |
| Property Address | 1048 PICARD LN, CUDJOE KEY, FL 33042-4336 |
| Document Number | 0031961505 |
| Book / Page | 3196 / 1505 |
| Map Reference | MB 5 PG 60 |
| Instrument Date | Aug 5, 2022 |
| Instrument | 2393460 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1493, TOMBSTONE, AZ 85638-1493 |
| Name | Verified Name |
|---|---|
| Address | 1048 PICARD LN, CUDJOE KEY, FL 33042-4336 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 28, 2021 |
| Property Address | 1048 PICARD LN, CUDJOE KEY, FL 33042-4336 |
| Document Number | 0031010676 |
| Book / Page | 3101 / 676 |
| Map Reference | MB 5 PG 60 |
| Instrument Date | May 13, 2021 |
| Instrument | 2322254 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1048 PICARD LN, CUDJOE KEY, FL 33042-4336 |
| Document Number | 3101680 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 3101/680 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 1048 PICARD LN, CUDJOE KEY, FL 33042-4336 |
| Document Number | 0030180652 |
| Instrument Date | Apr 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1048 PICARD LN CUDJOE KEY FL 330424336, CUDJOE KEY, FL 33042-4336 |
| Document Number | 0030180652 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | 003018/000652 |
| Instrument | 2263268 |
| Name | FIRST HORIZON BK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 14, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 26, 2019 |
| Property Address | 1048 PICARD LN, CUDJOE KEY, FL 33042-4336 |
| Document Number | 0029550286 |
| Book / Page | 2955 / 0286 |
| Map Reference | MB 5 PG 60 |
| Instrument Date | Mar 19, 2019 |
| Instrument | 2212266 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2021 |
| Title Company | TRUE TITLE AGENCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 5709, KEY WEST, FL 33045-5709 |
| Document Number | 2212267 |
|---|---|
| Date | Mar 26, 2019 |
| Instrument | 2212267 |
| Name | CAPITAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.12% |
| Index | 1-Year LIBOR |
| Max Rate | 9.12% |
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 | $654,959 (-19.99%) | $797,812 (-2.54%) Land $525,300 Building $272,512 | |
| 2024 | $5,701.00 (-22.28%) | ||
| 2023 | $7,335.00 (+49.91%) Homeowner's exemption | $818,640 (+54.54%) Land $565,470 Building $253,170 | $818,640 (+38.15%) Land $565,470 Building $253,170 |
| 2022 | $4,893.00 Homeowner's exemption | $529,721 | $592,564 Land $336,810 Building $255,754 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 501 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 501 in force |
| Nearby Flood Claims | 1,356 (1980–2023) |
| Claims Outside the SFHA | 2 of 1,356 |
| Most Recent Claim | Dec 2023 · rainfall accumulation |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 324 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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