180 Arica Ln, Cudjoe Key (Summerland Key), FL 33042 Property Records

Monroe County property record for 180 Arica Ln, Cudjoe Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 2019
Lot Size	0.151 acres (6,582 sqft)
Owner	2 Owner Names on File
Last Sale	$30,000 (Jan 1998)
Tax Bill	$6,539 (2024)
Deeds & Mortgages	Sep 2017 Mortgage Dec 2018 Loan Modification
Flood Zone	Zone VE (high risk)
APN	`00178920-000000`

Property Details

APN / Parcel Number

Primary APN	`00178920-000000`
Alternative APNs	`28662800178920000000` `1230936`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,260 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Plywood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,582 sqft (0.151 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1230936
Old Parcel Number	28662800178920000000
Street Address	180 ARICA LN
City	CUDJOE KEY
State	FL
Zip	33042-4235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 10 LT 1 CUTTHROAT HARBOR ESTATES CUDJOE KEY PB4-165 OR607-250 OR401-151 OR1495-1933AFF OR1495-1934/35
Legal Range	28E
Legal Township	66S
Legal Section	28
Legal Subdivision	CUTTHROAT HARBOR ESTATES
Legal Block	10
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1003
Census Tract	971501

Owner

The current owner of 180 Arica Ln bought it in January 1998.

Source: Monroe County records, as of December 5, 2025

Owner of Record	2 Owner Names on File
Mailing Address	122 ALHAMBRA PL, WEST PALM BEACH, FL 33405-5002

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2017	Deed of Trust, Mortgage · ARM CAPITAL BANK CORPORATION
Dec 1, 2018	Loan Modification, Mortgage · Conventional Mortgage CAPITAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 1998 · Amount on File
Deed Sale	Jan 28, 1998 · Amount on File
Deed Document Number	0149501934
Deed Book / Page	01495 / 01934
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	180 ARICA LN, SUMMERLAND KEY, FL 33042-4235
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028721981
Date	Sep 28, 2017
Book Page	2872/1981
Instrument	2138158

Lender

Name	CAPITAL BANK CORPORATION
Type	Bank
Address	FORT MYERS, FL 33966

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Sep 1, 2023
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	180 ARICA LN, SUMMERLAND KEY, FL 33042-4235
Document Number	0029530747
Instrument Date	Dec 1, 2018
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	180 ARICA LN CUDJOE KEY FL 33042, CUDJOE KEY, FL 33042

Mortgage

Document Number	0029530747
Date	Mar 12, 2019
Book Page	002953/000747
Instrument	2210509

Lender

Name	CAPITAL BK
Type	Bank
Address	FORT MYERS, FL 33966

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

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		$869,396 Land $565,065 Building $304,331	$869,396 Land $565,065 Building $304,331
2024	$6,539.00 (+6.38%)
2023	$6,147.00 (+18.3%)	$874,324 (+38.51%) Land $608,276 Building $266,048	$874,324 (+38.51%) Land $608,276 Building $266,048
2022	$5,196.00	$631,254 Land $362,306 Building $268,948	$631,254 Land $362,306 Building $268,948

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 180 Arica Ln in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action
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 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	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

The area around 180 Arica 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.

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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