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

Monroe County property record for 154 Tortuga Ln, Cudjoe Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 960 sqft · built 1988
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$615,000 (Sep 2020)
Tax Bill	$6,619 (2024)
Deeds & Mortgages	Mar 2018 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00179100-000000`

Property Details

APN / Parcel Number

Primary APN	`00179100-000000`
Alternative APNs	`28662800179100000000` `1231118`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Flooring	Concrete/Cement
Interior Walls	Masonry

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.137 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	624 sqft
Patio Area	210 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1231118
Old Parcel Number	28662800179100000000
Street Address	154 TORTUGA LN
City	CUDJOE KEY
State	FL
Zip	33042-4233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 12 LT 3 CUTTHROAT HARBOR ESTATES CUDJOE KEY PB4-165 OR486-836/37 OR985-1903 OR1049-1221 OR1063-987 OR1583-20 OR2238-656
Legal Range	28E
Legal Township	66S
Legal Section	28
Legal Subdivision	CUTTHROAT HARBOR ESTATES
Legal Block	12
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1003
Census Tract	971501

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	17631 NW 89TH CT, HIALEAH, FL 33018-6671
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2018	Deed of Trust, Mortgage · SBA Mortgage USAA FSB
Sep 2, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Jan 18, 2018	Warranty Deed, Transfer · FHA Mortgage CAPITAL BANK CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2020 · Amount on Record
Deed Sale	Sep 2, 2020 · Amount on Record
Prior Sale	Jan 18, 2018 · Amount on Record
Deed Document Number	2280006
Deed Book / Page	3041 / 1603
Record Updated	Jun 8, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	154 TORTUGA LN, CUDJOE KEY, FL 33042-4233
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028981146
Date	Mar 28, 2018
Book Page	2898/1146
Instrument	2161706

Lender

Name	USAA FSB
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Nov 21, 2047

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 2, 2020
Property Address	154 TORTUGA LN, CUDJOE KEY, FL 33042-4233
Document Number	0030411603
Book / Page	3041 / 1603
Map Reference	MB 4 PG 165
Instrument Date	Aug 28, 2020
Instrument	2280006
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	154 TORTUGA LN, 154, CUDJOE KEY, FL 33042-4233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17631 NW 89TH CT, HIALEAH, FL 33018-6671
Investor	Possibly a Property Investor

Mortgage

Document Number	0030411605
Date	Sep 2, 2020
Instrument	3041/1605

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 18, 2018
Property Address	154 TORTUGA LN, CUDJOE KEY, FL 33042-4233
Document Number	0028871807
Book / Page	2887 / 1807
Map Reference	MB4 PG165
Instrument Date	Jan 12, 2018
Instrument	2151535
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 TORTUGA LN, SUMMERLAND KEY, FL 33042-4233

Mortgage

Document Number	0002151536
Date	Jan 18, 2018
Instrument	2151536

Lender

Name	CAPITAL BANK CORPORATION
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$836,885 (-2.49%) Land $525,300 Building $311,585	$836,885 (-2.49%) Land $525,300 Building $311,585
2024	$6,619.00 (+4.43%)
2023	$6,338.00 (+17.63%)	$858,234 (+35.4%) Land $565,470 Building $292,764	$858,234 (+35.4%) Land $565,470 Building $292,764
2022	$5,388.00	$633,832 Land $336,810 Building $297,022	$633,832 Land $336,810 Building $297,022

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 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 Record 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	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 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 132 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tortuga Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures