16640 Cypress Rd, Summerland Key, FL 33042 Property Records

Monroe County property record for 16640 Cypress Rd, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,112 sqft · built 1991
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,595,000 (Jul 2026)
Tax Bill	$8,681 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00166976-011000`

Property Details

APN / Parcel Number

Primary APN	`00166976-011000`
Alternative APNs	`03672700166976011000` `1215449`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,112 sqft Living Area
1st Floor Area	2,112 sqft
Flooring	Concrete/Cement
Interior Walls	Masonry

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
View / Lot	Canal

Exterior Amenities

Porch	Florida Room
Porch Area	413 sqft
Deck Area	880 sqft
Patio Area	940 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1215449
Street Address	16640 CYPRESS RD
City	SUMMERLAND KEY
State	FL
Zip	33042-3500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 110 REV PLAT OF AMD PLAT OF SUGARLOAF SHORES SEC F SUGARLOAF KEY PB6-9 OR564-756/59 OR741-793/94 OR776-544/45 OR911-1521/25 OR968-1242 OR968-1239/41 OR1806-1200/01 OR2552-1589/90 OR3217-1701
Legal Range	27E
Legal Township	67S
Legal Section	03
Legal Subdivision	SUGARLOAF SHORES SEC F REV
Legal Lot Number	110
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1029
Census Tract	971600

Owner

Source: Monroe County records, as of August 3, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2050 FIFE RIDGE CT, ROSWELL, GA 30075-6465
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Warranty Deed, Transfer · Conventional Mortgage JMAC LENDING
Mar 29, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2026 · Amount on Record
Deed Sale	Jul 24, 2026 · Amount on Record
Prior Sale	Mar 29, 2023 · Amount on Record
Deed Document Number	20262553211
Deed Book / Page	3393 / 1895
Prior Transfer Date	Jan 16, 2012
Prior Transfer Doc	0025521589
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 24, 2026
Property Address	16640 CYPRESS RD, SUMMERLAND KEY, FL 33042-3500
Document Number	0002553211
Book / Page	3393 / 1895
Instrument Date	Jul 24, 2026
Instrument	20262553211
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,127,665.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2050 FIFE RIDGE CT, ROSWELL, GA 30075-6465
Investor	Possibly a Property Investor

Mortgage

Document Number	0002553212,
Date	Jul 24, 2026
Book Page	3393/1898
Instrument	20262553212

Lender

Name	JMAC LENDING

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 29, 2023
Property Address	16640 CYPRESS RD, SUGARLOAF KEY, FL 33042-3500
Document Number	0032171701
Book / Page	3217 / 1701
Map Reference	MB 6 PG 9
Instrument Date	Mar 27, 2023
Instrument	2411871
Transaction Type	Transfer
Record Updated	Apr 14, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16640 CYPRESS RD, SUGARLOAF KEY, FL 33042-3500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16640 CYPRESS RD, SUGARLOAF KEY, FL 33042-3500

Mortgage

Document Number	0032171703
Date	Mar 29, 2023
Instrument	3217/1703

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	Other
Max Rate	10.5%

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	$8,681.00 (-22.27%) Homeowner's exemption	$979,708 (+57.73%) Land $614,100 Building $365,608	$979,708 (-22.55%) Land $614,100 Building $365,608
2024	$11,168.00 (+108.32%)
2023	$5,361.00 (+2.84%) Homeowner's exemption	$621,118 (+3%)	$1,264,992 (+40.43%) Land $934,500 Building $330,492
2022	$5,213.00 Homeowner's exemption	$603,028	$900,790 Land $570,713 Building $330,077

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 537 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	537 in force
Nearby Flood Claims	1,085 (1980–2022)
Claims Outside the SFHA	1 of 1,085
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 256 claims Hurricane Wilma, Oct 2005 · 486 claims Hurricane Georges, Oct 1998 · 297 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 54 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

Cell Coverage

5G and 4G LTE (outdoors only)

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