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

Monroe County property record for 174 Tortuga Ln, Cudjoe Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 2020
Lot Size	0.172 acres (7,471 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,045,000 (Jul 2022)
Tax Bill	$10,245 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00179080-000000`

Property Details

APN / Parcel Number

Primary APN	`00179080-000000`
Alternative APNs	`28662800179080000000` `1231096`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,320 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2022
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,471 sqft (0.172 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	630 sqft
Porch	Open Porch
Patio Area	244 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1231096
Street Address	174 TORTUGA LN
City	SUMMERLAND KEY
State	FL
Zip	33042-4233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 12 LT 1 CUTTHROAT HARBOR ESTATES CUDJOE KEY PB4-165 OR486-836/37 OR1125-1599 OR1438-1349 OR2260-229 OR2396-1775/76 OR2625-1425 OR2921-1064/65 OR2925-194C OR3034-0060 OR3184-2408
Legal Range	28E
Legal Township	66S
Legal Section	28
Legal Subdivision	CUTTHROAT HARBOR ESTATES
Legal Block	12
Legal Lot Number	1
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 June 9, 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	174 TORTUGA LN, SUMMERLAND KEY, FL 33042-4233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jul 27, 2020	Warranty Deed, Transfer · Conventional Mortgage IBERIABANK
Sep 4, 2018	Grant Deed, Transfer ATTORNEY ONLY
Aug 9, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	Jul 27, 2020 · Amount on Record
Deed Document Number	20222384181
Deed Book / Page	3184 / 2408
Prior Transfer Date	Aug 1, 2018
Prior Transfer Doc	0029250194
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	174 TORTUGA LN, CUDJOE KEY, FL 33042-4233
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1619 78TH STREET CT NW, BRADENTON, FL 34209-1025

Mortgage

Document Number	0031842410
Date	Jul 19, 2022
Book Page	3184/2410
Instrument	2384182

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

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

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 27, 2020
Property Address	174 TORTUGA LN, CUDJOE KEY, FL 33042-4233
Document Number	0030340060
Book / Page	3034 / 60
Map Reference	MB 4 PG 165
Instrument Date	Jul 10, 2020
Instrument	2274683
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 ROCKWOOD DR, 112, PHILIPSBURG, PA 16866-8706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 TORTUGA LN, CUDJOE KEY, FL 33042-4233

Mortgage

Document Number	0000303464
Date	Jul 27, 2020
Instrument	3034/64

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Sep 4, 2018
Property Address	174 TORTUGA LN, CUDJOE KEY, FL 33042-4233
Document Number	0029250194
Book / Page	002925 / 000194
Instrument Date	Aug 1, 2018
Instrument	2184998
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,260.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 ROCKWOOD DR PHILIPSBURG PA 168668706, PHILIPSBURG, PA 16866-8706

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 9, 2018
Property Address	174 TORTUGA LN, CUDJOE KEY, FL 33042-4233
Document Number	0029211064
Book / Page	002921 / 001064
Instrument Date	Aug 1, 2018
Instrument	2181871
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 ROCKWOOD DR PHILIPSBURG PA 168668706, PHILIPSBURG, PA 16866-8706

Mortgage

Document Number	29211066
Date	Aug 9, 2018
Book Page	002921/001066
Instrument	2181872

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Aug 8, 2021

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	$10,245.00 (+10.72%)	$1,083,742 (+19.39%) Land $573,952 Building $509,790	$1,083,742 (+19.39%) Land $573,952 Building $509,790
2024	$9,253.00 (+9.63%)
2023	$8,440.00 (+76.42%)	$907,747 (+75.64%) Land $465,473 Building $442,274	$907,747 (+45.7%) Land $465,473 Building $442,274
2022	$4,784.00 Homeowner's exemption	$516,829	$623,035 Land $344,264 Building $278,771

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	12.0 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

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