Monroe County property record for 1078 Picard Ln, Cudjoe Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,028 sqft · built 2012 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,275,000 (Feb 2024) |
| Tax Bill | $4,886 (2024) |
| Deeds & Mortgages | Feb 2024 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 00185020-000000 |
| Primary APN | 00185020-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,028 sqft Living Area |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Combination |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,500 sqft (0.172 acres) |
| Garage Type | Covered |
| Garage Area | 768 sqft |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 292 sqft |
| Porch | Florida Room |
| Porch Area | 360 sqft |
| Deck Area | 276 sqft |
| Patio Area | 276 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1237001 |
|---|---|
| Street Address | 1078 PICARD LN |
| City | CUDJOE KEY |
| State | FL |
| Zip | 33042-4336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 8 LT 12 CUTTHROAT HARBOR ESTATES FIRST ADDN CUDJOE KEY PB5-60 OR477-583 OR831-1094/98 OR1802-2279/80 OR1836-1869/70C OR2500-5/6 OR2562-1360/61 OR2599-2411/12 OR2894-1224 OR3261-0007 |
| Legal Subdivision | CUTTHROAT HARBOR ESTATES 1ST ADD |
| Legal Lot Number | 12 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 971501 |
1078 Picard Ln is owned by two individuals who acquired it in January 2025.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20945 KEATON BEACH DR, PERRY, FL 32348-8210 |
| Owner Type | Individual |
| Vesting | Life Estate |
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 | Feb 2, 2024 · Amount on File |
| Deed Sale | Feb 2, 2024 · Amount on File |
| Deed Document Number | 20242449806 |
| Deed Book / Page | 3261 / 7 |
| Last Transfer Date | Jan 27, 2025 |
| Transfer Doc | 0033091343 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 2, 2024 |
| Property Address | 1078 PICARD LN, CUDJOE KEY, FL 33042-4336 |
| Document Number | 0032610007 |
| Book / Page | 3261 / 7 |
| Map Reference | MB 5 PG 60 |
| Instrument Date | Feb 2, 2024 |
| Instrument | 2449806 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2024 |
| Title Company | TRUE TITLE FLORIDA KEYS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $8,925.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1588 QUATRAIN LN, SEBASTIAN, FL 32958-6532 |
| Name | Verified Name |
|---|---|
| Address | 20945 KEATON BEACH DR, PERRY, FL 32348-8210 |
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 | $964,625 Land $523,800 Building $440,825 | $964,625 Land $523,800 Building $440,825 | |
| 2024 | $4,886.00 (+4.33%) | ||
| 2023 | $4,683.00 (+2.7%) Homeowner's exemption | $504,457 (+3%) | $757,111 (+13.01%) Land $424,800 Building $332,311 |
| 2022 | $4,560.00 Homeowner's exemption | $489,765 | $669,957 Land $345,600 Building $324,357 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1078 Picard Ln in Zone AE, a high-risk 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 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 File 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.
The area around 1078 Picard Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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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