Monroe County property record for 155 Tortuga Ln, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,536 sqft · built 1989 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $650,000 (Aug 2020) |
| Tax Bill | $7,764 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00179150-000000 |
| Primary APN | 00179150-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,536 sqft Living Area |
| 1st Floor Area | 1,536 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood |
| Construction Type | Concrete |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.137 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 756 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1231169 |
|---|---|
| Old Parcel Number | 28662800179150000000 |
| Street Address | 155 TORTUGA LN |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 12 LT 8 CUTTHROAT HARBOR ESTATES CUDJOE KEY PB4-165 OR486-838/39 OR707-59-60 OR1030-1279E OR1039-37 OR1080-1985 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 28 |
| Legal Subdivision | CUTTHROAT HARBOR ESTATES |
| Legal Block | 12 |
| Legal Lot Number | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 971501 |
155 Tortuga Ln is owned and occupied by two individuals who bought it in August 2020.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2201 FORSYTHIA WAY, MARTINEZ, CA 94553-4242 |
| 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 |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 4, 2020 | Warranty Deed, Transfer · VA Mortgage IBERIABANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2020 · Amount on File |
| Deed Sale | Aug 4, 2020 · Amount on File |
| Prior Sale | Nov 2, 2015 · Amount on File |
| Deed Document Number | 2275791 |
| Deed Book / Page | 3035 / 1664 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 155 TORTUGA LN, SUMMERLAND KEY, FL 33042-4233 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 155 TORTUGA LN, CUDJOE KEY, FL 33042-4233 |
| Document Number | 0030922143 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 3092/2143 |
| Instrument | 2316400 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 4, 2020 |
| Property Address | 155 TORTUGA LN, SUMMERLAND KEY, FL 33042-4233 |
| Document Number | 0030351664 |
| Book / Page | 003035 / 001664 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 2275791 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,550.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 155 TORTUGA LN CUDJOE KEY FL 330424233, CUDJOE KEY, FL 33042-4233 |
| Document Number | 30351666 |
|---|---|
| Date | Aug 4, 2020 |
| Book Page | 003035/001666 |
| Instrument | 2275792 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 3, 2050 |
Source: Monroe County assessment roll, as of July 1, 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 | $878,234 Land $525,300 Building $352,934 | $878,234 Land $525,300 Building $352,934 | |
| 2024 | $7,764.00 (+12.03%) | ||
| 2023 | $6,930.00 (+16.2%) | $898,726 (+33.37%) Land $565,470 Building $333,256 | $898,726 (+33.37%) Land $565,470 Building $333,256 |
| 2022 | $5,964.00 | $673,875 Land $336,810 Building $337,065 | $673,875 Land $336,810 Building $337,065 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 155 Tortuga 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 155 Tortuga 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 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 |
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