125 13th St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 125 13th St, Key Colony Beach, FL 33051

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,347 sqft · built 1994
Lot Size	0.232 acres (10,085 sqft)
Owner	Individual Name on Record
Last Sale	$2,050,000 (Jul 2026)
Tax Bill	$12,468 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00079872-005900`

Property Details

APN / Parcel Number

Primary APN	`00079872-005900`
Alternative APNs	`05663300079872005900` `8733844`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,347 sqft Living Area
Gross Area	2,853 sqft
1st Floor Area	2,347 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	10,085 sqft (0.232 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	506 sqft

Exterior Amenities

Pool Area	363 sqft
Porch	Open Porch
Porch Area	601 sqft
Patio Area	1,380 sqft
Water Feature	Water Feature
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	8733844
Street Address	125 13TH ST
City	KEY COLONY BEACH
State	FL
Zip	33051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	INC
Legal Description	BK 2 LT 24 COURY SUBD NO 2 PB7-48 OR1117-2490 OR1252-146 OR1503-41 OR1629-2182 OR1629-2183/84M/T OR2721-1816 OR2721-1817/18
Legal Range	33E
Legal Township	66S
Legal Section	05
Legal Subdivision	COURY SUBD #2
Legal Block	2
Legal Lot Number	24
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	1
Census Block	1006
Census Tract	971001

Owner

Source: Monroe County records, as of July 23, 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 Record
Mailing Address	650 W NORTH ST, 541, RALEIGH, NC 27603-7138
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2026 · Amount on Record
Deed Sale	Jul 9, 2026 · Amount on Record
Prior Sale	Jan 26, 2015 · Amount on Record
Deed Document Number	20262551269
Deed Book / Page	3391 / 1065
Prior Transfer Date	Jan 14, 2015
Prior Transfer Doc	0027211817
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 9, 2026
Property Address	125 13TH ST, KEY COLONY BEACH, FL 33051
Document Number	0002551269
Book / Page	3391 / 1065
Instrument Date	Jun 26, 2026
Instrument	20262551269
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	ACUITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,449,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002551270,
Date	Jul 9, 2026
Instrument	20262551270

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Key Colony Beach City
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,468.00 (+14.25%)	$1,679,480 (+58.54%) Land $865,898 Building $813,582	$1,679,480 (+58.54%) Land $865,898 Building $813,582
2024	$10,913.00 (+12.66%)
2023	$9,687.00 (+12.14%)	$1,059,357 (+16.06%) Land $594,605 Building $464,752	$1,059,357 (+16.06%) Land $594,605 Building $464,752
2022	$8,638.00	$912,804 Land $413,170 Building $499,634	$912,804 Land $413,170 Building $499,634

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 558 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	967 units insured incl. 409 condo units
Nearby Flood Claims	861 (1979–2026)
Claims Outside the SFHA	1 of 861
Most Recent Claim	Feb 2026 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 469 claims Hurricane Wilma, Oct 2005 · 45 claims Hurricane Georges, Sep 1998 · 250 claims

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.

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20