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

Monroe County property record for 181 Arica Ln, Cudjoe Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 960 sqft · built 1984
Lot Size	0.2 acres (8,727 sqft)
Owner	Individual Name on File
Last Sale	$569,900 (Dec 2020)
Tax Bill	$851 (2024)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`00178990-000000`

Property Details

APN / Parcel Number

Primary APN	`00178990-000000`
Alternative APNs	`28662800178990000000` `1231002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,727 sqft (0.2 acres)
Garage Type	Carport
Carport	Carport
Carport Area	144 sqft

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	1,016 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1231002
Old Parcel Number	28662800178990000000
Street Address	181 ARICA LN
City	CUDJOE KEY
State	FL
Zip	33042-4235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 10 LT 8 CUTTHROAT HARBOR ESTATES CUDJOE KEY PB4-165 OR580-234 OR672-71/72 OR762-819C OR762-820 OR898-69 OR934-265C
Legal Range	28E
Legal Township	66S
Legal Section	28
Legal Subdivision	CUTTHROAT HARBOR ESTATES
Legal Block	10
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1003
Census Tract	971501

Owner

181 Arica Ln is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	181 ARICA LN, CUDJOE KEY, FL 33042-4235
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2020 · Amount on File
Deed Sale	Dec 3, 2020 · Amount on File
Prior Sale	Jan 29, 2014 · Amount on File
Deed Document Number	2293210
Deed Book / Page	3060 / 640
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 3, 2020
Property Address	181 ARICA LN, CUDJOE KEY, FL 33042-4235
Document Number	0030600640
Book / Page	3060 / 640
Map Reference	MB 4 PG 165
Instrument Date	Dec 1, 2020
Instrument	2293210
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,989.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3309 KALISTE SALOOM RD, 3309, LAFAYETTE, LA 70508-7448

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 ARICA LN, CUDJOE KEY, FL 33042-4235

Mortgage

Document Number	0003060642
Date	Dec 3, 2020
Instrument	3060/642

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

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		$554,426	$813,276 Land $552,480 Building $260,796
2024	$851.00 (+12.12%)
2023	$759.00 (-82.54%) Homeowner's exemption	$484,442 (+3%)	$657,020 (+14.03%) Land $448,060 Building $208,960
2022	$4,347.00 Senior Citizen's exemption	$470,333	$576,158 Land $364,523 Building $211,635

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

Flood

FEMA maps place 181 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 181 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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