1. Home
  2. Florida
  3. Monroe County
  4. Cudjoe Key
  5. 2nd Ave W

20771 2nd Ave W, Cudjoe Key (Summerland Key), FL 33042 Property Records

Monroe County property record for 20771 2nd Ave W, Cudjoe Key, FL 33042

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,047 sqft · built 2010
Lot Size0.23 acres (10,000 sqft)
Owner2 Individual Names on File
Last Sale$1,750,000 (Feb 2026)
Tax Bill$7,781 (2024)
Deeds & MortgagesAug 2021 Mortgage
Feb 2026 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN00174635-003300

Property Details

APN / Parcel Number

Primary APN00174635-003300
Alternative APNs
  • 30662800174635003300
  • 8566646

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,047 sqft Living Area
Gross Area2,697 sqft
1st Floor Area2,047 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2010
Effective Year BuiltEffective 2018
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypeBlock
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,000 sqft (0.23 acres)
View / LotCanal
Garage TypeAttached
Garage Area650 sqft

Exterior Amenities

PorchOpen Porch
Porch Area305 sqft
Patio Area2,025 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number8566646
Street Address20771 2ND AVE W
CityCUDJOE KEY
StateFL
Zip33042-4002
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 22 LT 16 CUDJOE GARDENS EIGHTH ADDITION PB7-16 OR899-352 OR1779-2319 OR1950-851 OR2320-1933 OR2585-1841/42 OR2633-2385/86 OR2751-2480/82 OR2887-1654/55
Legal Range28E
Legal Township66S
Legal Section30
Legal SubdivisionCUDJOE GARDENS 8TH ADD
Legal Block22
Legal Lot Number16
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group2
Census Block2026
Census Tract971501

Owner

20771 2nd Ave W is owned and occupied by two individuals who bought it in February 2026.

Source: Monroe County records, as of April 6, 2026

Owner of Record2 Individual Names on File
Mailing Address227 ANGLERS DR S, 302, MARATHON, FL 33050-2486
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

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

DateDocument
Aug 16, 2021Deed of Trust, Mortgage · Conventional Mortgage
TJC MORTGAGE INC
Feb 27, 2026Warranty Deed, Transfer · Conventional Mortgage
UNION HOME MORTGAGE CORP
Jan 18, 2018Warranty Deed, Transfer
NAVY FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 27, 2026 · Amount on File
Deed SaleFeb 27, 2026 · Amount on File
Prior SaleJan 18, 2018 · Amount on File
Deed Document Number20262533869
Deed Book / Page3368 / 1106
Prior Transfer DateJun 6, 2013
Prior Transfer Doc0026332385
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address20771 2ND AVE W, CUDJOE KEY, FL 33042-4002
Transaction TypeMortgage
Record UpdatedMar 18, 2026
Title CompanyMASON TITLE COMPANY INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address20771 2ND AVE W, CUDJOE KEY, FL 33042-4002

Mortgage

Document Number0031192334
DateAug 16, 2021
Book Page3119/2334
Instrument2335456
Lender
NameTJC MORTGAGE INC
TypeMortgage Company
AddressBIRMINGHAM, AL 35243
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateFeb 27, 2026
Property Address20771 2ND AVE W, CUDJOE KEY, FL 33042-4002
Document Number0033681106
Book / Page3368 / 1106
Map ReferenceMB 7 PG 16
Instrument DateFeb 26, 2026
Instrument2533869
Transaction TypeTransfer
Record UpdatedMar 18, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$12,250.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address206 SECOND ST, SAINT AUGUSTINE, FL 32084-7302

Transferred To (Grantee/Buyer)

NameVerified Name
Address227 ANGLERS DR S APT 302, 302, MARATHON, FL 33050-2486

Mortgage

Document Number0033681108
DateFeb 27, 2026
Instrument3368/1108
Lender
NameUNION HOME MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2056

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 18, 2018
Property Address20771 2ND AVE W, CUDJOE KEY, FL 33042-4002
Document Number0028871654
Book / Page002887 / 001654
Instrument DateJan 10, 2018
Instrument2151473
Transaction TypeTransfer
Record UpdatedJan 31, 2018
Title CompanyTRUE TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,293.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address20771 2ND AVE W CUDJOE KEY FL 330424002, CUDJOE KEY, FL 33042-4002

Mortgage

Document Number28871656
DateJan 18, 2018
Book Page002887/001656
Instrument2151474
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
AmountAmount on Record
Term360 Months
DueJan 17, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$888,904$1,534,518 Land $875,500 Building $659,018
2024$7,781.00 (+3.68%)
2023$7,505.00 (+2.7%) Homeowner's exemption$838,693 (+3%)$1,253,543 (+24.59%) Land $759,625 Building $493,918
2022$7,308.00 Homeowner's exemption$814,266$1,006,126 Land $509,850 Building $496,276

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

FEMA maps place 20771 2nd Ave W in Zone AE, a high-risk 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 227 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies227 in force
Nearby Flood Claims381 (1980–2017)
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 72 claims
  • Hurricane Wilma, Oct 2005 · 75 claims
  • Hurricane Georges, Oct 1998 · 217 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 20771 2nd Ave W 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 RiskNot 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 47 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
AT&T
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

Nearby Properties on 2nd Ave W

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures