17233 Starfish Ln E, Sugarloaf Key (Summerland Key), FL 33042 Property Records

Monroe County property record for 17233 Starfish Ln E, Sugarloaf Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,512 sqft · built 1965
Lot Size	0.185 acres (8,053 sqft)
Owner	2 Individual Names on Record
Last Sale	$547,500 (Aug 2020)
Tax Bill	$548 (2024)
Deeds & Mortgages	May 2022 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00163710-000000`

Property Details

APN / Parcel Number

Primary APN	`00163710-000000`
Alternative APNs	`03672700163710000000` `1209228`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Metal
Lot Area	8,053 sqft (0.185 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	220 sqft
Porch	Unfinished Open Porch
Patio Area	570 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1209228
Street Address	17233 STARFISH LN E
City	SUGARLOAF KEY
State	FL
Zip	33042-3665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 52 SUGARLOAF SHORES PB2-158 SUGARLOAF KEY SEC B OR14-196 OR324-342/43 OR983-58 OR1364-2205/06 OR1976-195ORD OR1976-196/209WILL OR2784-1978/79 OR3035-0531
Legal Range	27E
Legal Township	67S
Legal Section	03
Legal Subdivision	SUGARLOAF SHORES REPLAT 1 & 2
Legal Block	B
Legal Lot Number	52
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1019
Census Tract	971600

Owner

Source: Monroe County records, as of December 8, 2025

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	17233 STARFISH LN E, SUMMERLAND KEY, FL 33042-3665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL BANK NA
Aug 3, 2020	Warranty Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2020 · Amount on Record
Deed Sale	Aug 3, 2020 · Amount on Record
Prior Sale	Feb 1, 2016 · Amount on Record
Deed Document Number	20202275474
Deed Book / Page	3035 / 531
Prior Transfer Date	Feb 15, 2016
Prior Transfer Doc	0027841978
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	17233 STARFISH LN E, SUGARLOAF KEY, FL 33042-3665
Transaction Type	Mortgage
Record Updated	May 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17233 STARFISH LN E, SUGARLOAF, FL 33042-3665

Mortgage

Document Number	0031711267
Date	May 3, 2022
Book Page	3171/1267
Instrument	2373790

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Apr 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	17233 STARFISH LN E, SUGARLOAF KEY, FL 33042-3665
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17233 STARFISH LN E, SUGARLOAF KEY, FL 33042-3665

Mortgage

Document Number	0031100076
Date	Jul 2, 2021
Book Page	3110/76
Instrument	2328508

Lender

Name	CAPITAL BANK NA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 3, 2020
Property Address	17233 STARFISH LN E, SUGARLOAF KEY, FL 33042-3665
Document Number	0030350531
Book / Page	003035 / 000531
Instrument Date	Jul 30, 2020
Instrument	2275474
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,833.00
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	905 18TH TER KEY WEST FL 330404267, KEY WEST, FL 33040-4267

Mortgage

Document Number	30350533
Date	Aug 3, 2020
Book Page	003035/000533
Instrument	2275475

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

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		$573,222 (+17.75%)	$656,689 (-1.57%) Land $369,633 Building $287,056
2024	$548.00 (+19.91%)
2023	$457.00 (-88.87%) Homeowner's exemption	$486,830 (+3%)	$667,182 (-0.46%) Land $399,203 Building $267,979
2022	$4,106.00 Homeowner's exemption	$472,651	$670,292 Land $399,203 Building $271,089

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	10.0 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 17 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

Cell Coverage

5G (outdoors only) and 4G LTE

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