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125 Tortuga Ln, Cudjoe Key (Summerland Key), FL 33042 Property Records

Monroe County property record for 125 Tortuga Ln, Cudjoe Key, FL 33042

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,520 sqft · built 1989
Lot Size0.149 acres (6,500 sqft)
Owner2 Individual Names on Record
Last Sale$590,000 (Oct 2020)
Tax Bill$7,026 (2024)
Deeds & MortgagesOct 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00179130-000000

Property Details

APN / Parcel Number

Primary APN00179130-000000
Alternative APNs
  • 28662800179130000000
  • 1231142

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,520 sqft Living Area
1st Floor Area912 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2005
Exterior MaterialOther
Construction TypeConcrete
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,500 sqft (0.149 acres)
Garage TypeCarport
CarportCarport
PorchOpen Porch
Porch Area454 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1231142
Old Parcel Number28662800179130000000
Street Address125 TORTUGA LN
CityCUDJOE KEY
StateFL
Zip33042-4233
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 12 LT 6 CUTTHROAT HARBOR ESTATES CUDJOE KEY PB4-165 OR486-838/39 OR707-59/60 OR1042-1657 OR1080-1439 OR1733-131 OR1799-791
Legal Range28E
Legal Township66S
Legal Section28
Legal SubdivisionCUTTHROAT HARBOR ESTATES
Legal Block12
Legal Lot Number6
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1003
Census Tract971501

Owner

Source: Monroe County records, as of December 5, 2025

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

Owner of Record2 Individual Names on Record
Co-owner2 Co-owners on Record
Mailing Address18219 SE RIDGEVIEW DR, TEQUESTA, FL 33469-8129
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names4 Names on Deed
Last SaleOct 2, 2020 · Amount on Record
Deed SaleOct 2, 2020 · Amount on Record
Prior SaleJul 25, 2012
Deed Document Number2284455
Deed Book / Page3048 / 254
Record UpdatedJun 8, 2026

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateOct 2, 2020
Property Address125 TORTUGA LN, SUMMERLAND KEY, FL 33042-4233
Document Number0030480254
Book / Page3048 / 254
Map ReferenceMB 4 PG 165
Instrument DateOct 2, 2020
Instrument2284455
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyTRUE TITLE FLORIDA KEYS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,130.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address27 WINDSOR ISLE DR, 27, LONGWOOD, FL 32779-9755

Transferred To (Grantee/Buyer)

NameVerified Name
Address125 TORTUGA LN, CUDJOE KEY, FL 33042-4233

Mortgage

Document Number0003048256
DateOct 2, 2020
Instrument3048/256
Lender
NameCELEBRITY HOME LOANS LLC
TypeNon-Lending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2050

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$814,943 (+7.97%) Land $558,025 Building $256,918$814,943 (+7.97%) Land $558,025 Building $256,918
2024$7,026.00 (+8.44%)
2023$6,479.00 (+8.91%)$754,812 (+11.13%) Land $508,788 Building $246,024$754,812 (+11.13%) Land $508,788 Building $246,024
2022$5,949.00$679,191 Land $426,725 Building $252,466$679,191 Land $426,725 Building $252,466

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 501 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies501 in force
Nearby Flood Claims1,356 (1980–2023)
Claims Outside the SFHA2 of 1,356
Most Recent ClaimDec 2023 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 365 claims
  • Hurricane Wilma, Oct 2005 · 278 claims
  • Hurricane Georges, Sep 1998 · 640 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 RiskNot 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 132 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
AT&T
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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