154 Colson Dr, Cudjoe Key (Summerland Key), FL 33042 Property Records

Monroe County property record for 154 Colson Dr, Cudjoe Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,098 sqft · built 1988
Lot Size	0.186 acres (8,112 sqft)
Owner	Individual Name on Record
Last Sale	$512,000 (Jul 2019)
Tax Bill	$4,763 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jun 2026 Transfer + 5 more
Flood Zone	Zone VE (high risk)
APN	`00172200-000000`

Property Details

APN / Parcel Number

Primary APN	`00172200-000000`
Alternative APNs	`29662800172200000000` `1221643`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,098 sqft Living Area
1st Floor Area	2,098 sqft
Basement Area	600 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,112 sqft (0.186 acres)
Garage Type	Carport
Garage Area	1,000 sqft
Carport	Carport
Carport Area	1,000 sqft
Porch	Florida Room
Porch Area	400 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1221643
Street Address	154 COLSON DR
City	SUMMERLAND KEY
State	FL
Zip	33042-4054
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 2 LT 7 CUDJOE GARDENS PB4-78 CUDJOE KEY OR541-610 OR812-1585 OR861-313 OR1024-716 OR1337-2232 OR1656-1920 OR1826-2190/94 OR1826-2195 OR2629-395 OR2633-2480 OR2973-667 OR3066-172 OR3074-2457 OR3159-0035
Legal Range	28E
Legal Township	66S
Legal Section	29
Legal Subdivision	CUDJOE GARDENS
Legal Block	2
Legal Lot Number	7
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2026
Census Tract	971501

Owner

Source: Monroe County records, as of August 14, 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	154 COLSON DR, SUMMERLAND KEY, FL 33042-4054
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CREDIT UNION
Jun 10, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
May 10, 2023	Intrafamily Transfer, Transfer
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 4, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 29, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 2, 2019	Warranty Deed, Transfer · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2019 · Amount on Record
Deed Sale	Jul 2, 2019 · Amount on Record
Prior Sale	Jun 14, 2013 · Amount on Record
Deed Document Number	20192227301
Deed Book / Page	2973 / 667
Prior Transfer Date	Jan 6, 1994
Prior Transfer Doc	1337002232
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Aug 5, 2026
Property Address	154 COLSON DR, SUMMERLAND KEY, FL 33042-4054
Document Number	0002555383
Book / Page	3396 / 944
Instrument Date	Jul 31, 2026
Instrument	20262555383
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 COLSON DR, SUMMERLAND KEY, FL 33042-4054

Mortgage

Document Number	0002555383,
Date	Aug 5, 2026
Book Page	3396/944
Instrument	20262555383

Lender

Name	MIDFLORIDA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 25, 2046

Interest

Rate	6.43%
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jun 10, 2026
Property Address	154 COLSON DR, SUMMERLAND KEY, FL 33042-4054
Document Number	0002546850
Book / Page	3385 / 1090
Instrument Date	Jun 9, 2026
Instrument	20262546850
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 COLSON DR, SUMMERLAND KEY, FL 33042-4054

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	May 10, 2023
Property Address	154 COLSON DR, CUDJOE KEY, FL 33042-4054
Document Number	0032241699
Book / Page	3224 / 1699
Map Reference	MB 4 PG 159
Instrument Date	May 10, 2023
Instrument	2417379
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	489 SAWYER DR, CUDJOE KEY, FL 33042-4049

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	489 SAWYER DR, CUDJOE KEY, FL 33042-4049

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	154 COLSON DR, CUDJOE KEY, FL 33042-4054
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 COLSON DR, CUDJOE KEY, FL 33042-4054

Mortgage

Document Number	0030811569
Date	Mar 16, 2021
Book Page	3081/1569
Instrument	2308566

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Mar 4, 2022
Property Address	154 COLSON DR, CUDJOE KEY, FL 33042-4054
Document Number	0031590035
Book / Page	3159 / 35
Map Reference	MB 4 PG 78
Instrument Date	Feb 25, 2022
Instrument	2364419
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	STEWART 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	154 COLSON DR, CUDJOE KEY, FL 33042-4054

Mortgage

Document Number	0000315938
Date	Mar 4, 2022
Instrument	3159/38

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Dec 29, 2020
Property Address	154 COLSON DR, CUDJOE KEY, FL 33042-4054
Document Number	0030660172
Book / Page	003066 / 000172
Instrument Date	Dec 21, 2020
Instrument	2297174
Transaction Type	Transfer
Record Updated	Jan 21, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 COLSON DR CUDJOE KEY FL 330424054, CUDJOE KEY, FL 33042-4054

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 2, 2019
Property Address	154 COLSON DR, CUDJOE KEY, FL 33042-4054
Document Number	0029730667
Book / Page	002973 / 000667
Instrument Date	Jul 1, 2019
Instrument	2227301
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	ABSOLUTE FIRST TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,584.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	154 COLSON DR CUDJOE KEY FL 330424054, CUDJOE KEY, FL 33042-4054

Mortgage

Document Number	29730669
Date	Jul 2, 2019
Book Page	002973/000669
Instrument	2227302

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,763.00 (+8.05%) Homeowner's exemption	$491,316 (+18.75%)	$915,488 (-19.77%) Land $614,484 Building $301,004
2024	$4,408.00 (+12.77%)
2023	$3,909.00 (+2.68%) Homeowner's exemption	$413,738 (+3%)	$1,141,080 (+77.25%) Land $925,823 Building $215,257
2022	$3,807.00 Homeowner's exemption	$401,688	$643,770 Land $426,042 Building $217,728

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 Zone	Zone VE high risk · coastal, wave action
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 Record median of 227 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	227 in force
Nearby Flood Claims	381 (1980–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 72 claims Hurricane Wilma, Oct 2005 · 75 claims Hurricane Georges, Oct 1998 · 217 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 110 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
T-Mobile Fixed Wireless	100 / 20

154 Colson Dr, Cudjoe Key (Summerland Key), FL 33042 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

June 2026: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2023: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2022: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Colson Dr

Nearby Streets

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