Monroe County property record for 120 Cutlass Ln, Cudjoe Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,304 sqft · built 1972 |
| Lot Size | 0.276 acres (12,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $655,000 (Aug 2017) |
| Tax Bill | $8,186 (2024) |
| Deeds & Mortgages | Mar 2020 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00179840-000000 |
| Primary APN | 00179840-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,304 sqft Living Area |
| 1st Floor Area | 1,224 sqft |
| Attic | Attic |
| Attic Area | 360 sqft |
| Basement Area | 720 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wood |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,000 sqft (0.276 acres) |
| View / Lot | Canal |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 84 sqft |
| Patio Area | 277 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1231851 |
|---|---|
| Street Address | 120 CUTLASS LN |
| City | CUDJOE KEY |
| State | FL |
| Zip | 33042-4226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 17 LTS 9-10 CUTTHROAT HARBOR ESTATES PB4-165 OR467-26/27 OR954-145 OR1052-2291 OR1426-654/68AG OR1426-855/61F/J OR1503-1643/44AFF OR1503-1645/46 OR1998-2309/10 OR2004-1527 OR2125-333/35 OR2152-107 OR2610-997/98C/T OR2647-1469 OR2868-2015/16 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 28 |
| Legal Subdivision | CUTTHROAT HARBOR ESTATES |
| Legal Block | 17 |
| Legal Lot Number | 9-10 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 971501 |
120 Cutlass Ln is owned and occupied by an individual who bought it in August 2017.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 CUTLASS LN, SUMMERLAND KEY, FL 33042-4226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Aug 11, 2017 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2017 · Amount on File |
| Deed Sale | Aug 11, 2017 · Amount on File |
| Prior Sale | Sep 3, 2013 · Amount on File |
| Deed Document Number | 20172134889 |
| Deed Book / Page | 2868 / 2015 |
| Prior Transfer Date | Sep 16, 2005 |
| Prior Transfer Doc | 0021520107 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 120 CUTLASS LN, CUDJOE KEY, FL 33042-4226 |
| Document Number | 0030190129 |
| Instrument Date | Mar 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 120 CUTLASS LN SUMMERLAND KEY FL 330424226, SUMMERLAND KEY, FL 33042-4226 |
| Document Number | 0030190129 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 003019/000129 |
| Instrument | 2263791 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 11, 2017 |
| Property Address | 120 CUTLASS LN, CUDJOE KEY, FL 33042-4226 |
| Document Number | 0028682015 |
| Book / Page | 002868 / 002015 |
| Instrument Date | Aug 4, 2017 |
| Instrument | 2134889 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,585.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5716 MILL RUN PL FREDERICK MD 217038616, FREDERICK, MD 21703-8616 |
| Document Number | 28682017 |
|---|---|
| Date | Aug 11, 2017 |
| Book Page | 002868/002017 |
| Instrument | 2134890 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 10, 2047 |
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 | $1,044,615 Land $744,600 Building $300,015 | $1,044,615 Land $744,600 Building $300,015 | |
| 2024 | $8,186.00 (+3.4%) | ||
| 2023 | $7,917.00 (+19.27%) | $1,088,060 (+41.75%) Land $801,540 Building $286,520 | $1,088,060 (+41.75%) Land $801,540 Building $286,520 |
| 2022 | $6,638.00 | $767,604 Land $477,420 Building $290,184 | $767,604 Land $477,420 Building $290,184 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Cutlass 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 120 Cutlass 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 278 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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