118 Yardarm Rd, Cudjoe Key (Summerland Key), FL 33042 Property Records

Monroe County property record for 118 Yardarm Rd, Cudjoe Key, FL 33042 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,875 sqft · built 1992
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Tax Bill	$6,241 (2024)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00178010-000000`

Property Details

APN / Parcel Number

Primary APN	`00178010-000000`
Alternative APNs	`28662800178010000000` `1230031`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,875 sqft Living Area
Gross Area	2,491 sqft
1st Floor Area	1,875 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2011
Exterior Material	Concrete Block
Construction Type	Concrete Block
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	Attached
Garage Area	616 sqft

Exterior Amenities

Pool Area	160 sqft
Porch	Florida Room
Porch Area	178 sqft
Deck Area	92 sqft
Patio Area	618 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1230031
Street Address	118 YARDARM RD
City	CUDJOE KEY
State	FL
Zip	33042-4712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 5 LT 51 CUTTHROAT HARBOR ESTATES CUDJOE KEY PB4-165 OR307-275 OR805-668/80 OR843-2412 OR843-2414 OR955-299 OR1141-1286 OR1348-2422/23 OR1348-2424/25 OR1820-2342 OR2544-1100/01 OR2798-109/11 OR3087-1433
Legal Range	28E
Legal Township	66S
Legal Section	28
Legal Subdivision	CUTTHROAT HARBOR ESTATES
Legal Block	5
Legal Lot Number	51
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2018
Census Tract	971501

Owner

Source: Monroe County records · APN 00178010-000000

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

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

Owner of Record	Individual Name on File
Mailing Address	118 YARDARM RD, SUMMERLAND KEY, FL 33042-4712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 07, 2021
Deed Sale	Apr 07, 2021
Prior Sale	Dec 05, 2011 · Amount on Record
Deed Document Number	20212312499
Deed Book / Page	3087 / 1433
Prior Transfer Date	Feb 12, 2021
Prior Transfer Doc	0030871433
Record Updated	Jun 08, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Apr 07, 2021
Property Address	118 YARDARM RD, CUDJOE KEY, FL 33042-4712
Document Number	0030871433
Book / Page	3087 / 1433
Map Reference	MB 4 PG 165
Instrument Date	Feb 12, 2021
Instrument	2312499
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	TRANSTAR NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 YARDARM RD, CUDJOE KEY, FL 33042-4712

Mortgage

Document Number	0030871437
Date	Apr 07, 2021
Instrument	3087/1437

Lender

Name	NP INC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Mar 01, 2046

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$707,622 (+8.19%) Land $363,075 Building $344,547	$707,622 (+8.19%) Land $363,075 Building $344,547
2024	$6,241.00 (+8.79%)
2023	$5,737.00 (+11.2%)	$654,083 (+18.95%) Land $332,175 Building $321,908	$654,083 (+18.95%) Land $332,175 Building $321,908
2022	$5,159.00	$549,859 Land $225,570 Building $324,289	$549,859 Land $225,570 Building $324,289

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	9.0 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.