Monroe County property record for 20781 2nd Ave W, Cudjoe Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,797 sqft · built 1989 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $424,400 (Nov 2004) |
| Tax Bill | $3,503 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00174635-003400 |
| Primary APN | 00174635-003400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,797 sqft Living Area |
| 1st Floor Area | 1,657 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 10,000 sqft (0.229 acres) |
| Garage Area | 440 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 552 sqft |
| Deck Area | 560 sqft |
| Patio Area | 1,055 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 8566654 |
|---|---|
| Old Parcel Number | 30662800174635003400 |
| Street Address | 20781 2ND AVE W |
| City | CUDJOE KEY |
| State | FL |
| Zip | 33042-4002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 22 LT 17 CUDJOE GARDENS EIGHTH ADDITION PB7-16 OR1041-611 OR1246-1419/20 OR2585-1843/44 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 30 |
| Legal Subdivision | CUDJOE GARDENS 8TH ADD |
| Legal Block | 22 |
| Legal Lot Number | 17 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 971501 |
20781 2nd Ave W is owned and occupied by two individuals who bought it in November 2004.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20781 2ND AVE W, CUDJOE KEY, FL 33042-4002 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 10, 2004 · Amount on File |
| Deed Sale | Nov 10, 2004 · Amount on File |
| Deed Document Number | 1478619 |
| Deed Book / Page | 2058 / 0676 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $366,626 | $1,328,691 Land $875,500 Building $453,191 | |
| 2024 | $3,503.00 (+5.04%) | ||
| 2023 | $3,335.00 (+2.68%) Homeowner's exemption | $345,917 (+3%) | $1,193,712 (+26.24%) Land $759,625 Building $434,087 |
| 2022 | $3,248.00 Homeowner's exemption | $335,842 | $945,600 Land $509,850 Building $435,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20781 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 Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 227 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 227 in force |
| Nearby Flood Claims | 381 (1980–2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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.
The area around 20781 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 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.
Source: FCC Broadband Data Collection, based on 47 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 |
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