Monroe County property record for 20833 4th Ave W, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,452 sqft · built 2018 |
| Lot Size | 0.269 acres (11,735 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,450,000 (May 2021) |
| Tax Bill | $14,921 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jul 2022 Line of Credit + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00174635-001100 |
| Primary APN | 00174635-001100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,452 sqft Living Area |
| Gross Area | 2,981 sqft |
| 1st Floor Area | 2,452 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,735 sqft (0.269 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Porch | Open Porch |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 8566409 |
|---|---|
| Street Address | 20833 4TH AVE W |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4067 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 21 LT 11 CUDJOE GARDENS EIGHTH ADDITION PB7-16 OR1272-492/94 OR1282-2179/82 OR1318-1404/06 OR1320-2251/53 OR1426-207 OR1471-669/74 OR1471-77/78 OR1488-1024 OR2367-1559 OR2693-1750/51 OR2863-238/39 OR3098-1989 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 30 |
| Legal Subdivision | CUDJOE GARDENS 8TH ADD |
| Legal Block | 21 |
| Legal Lot Number | 11 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 971501 |
20833 4th Ave W is owned and occupied by two individuals who bought it in May 2021.
Source: Monroe County records, as of June 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20833 4TH AVE W, SUMMERLAND KEY, FL 33042-4067 |
| 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.
| Date | Document |
|---|---|
| May 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 26, 2022 | Deed of Trust, Mortgage · Line of Credit KEYS FCU |
| Aug 15, 2018 | Deed of Trust, Mortgage · ARM CENTENNIAL BANK |
| May 19, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Jul 6, 2017 | Warranty Deed, Transfer · Construction Mortgage FLINT DOUGLAS R FAMILY TR (PT) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2021 · Amount on File |
| Deed Sale | May 19, 2021 · Amount on File |
| Prior Sale | Jul 6, 2017 · Amount on File |
| Deed Document Number | 20212320593 |
| Deed Book / Page | 3098 / 1989 |
| Prior Transfer Date | Apr 23, 2008 |
| Prior Transfer Doc | 0023671559 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 20833 4TH AVE W, SUMMERLAND KEY, FL 33042-4067 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 539 POWELL AVE, LITTLE TORCH KEY, FL 33042-5613 |
| Document Number | 0030961643 |
|---|---|
| Date | May 12, 2021 |
| Book Page | 3096/1643 |
| Instrument | 2318960 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 20833 4TH AVE W, SUMMERLAND KEY, FL 33042-4067 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0031852008 |
|---|---|
| Date | Jul 26, 2022 |
| Book Page | 3185/2008 |
| Instrument | 2384940 |
| Name | KEYS FCU |
|---|---|
| Type | Credit Union |
| Address | KEY WEST, FL 33040 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 216 Months |
| Due | Jul 25, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 20833 4TH AVE W, SUMMERLAND KEY, FL 33042-4067 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029220859 |
|---|---|
| Date | Aug 15, 2018 |
| Book Page | 2922/0859 |
| Instrument | 2182608 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Sep 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7% |
| Index | 1-Year CMT |
| Max Rate | 11% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 19, 2021 |
| Property Address | 20833 4TH AVE W, SUMMERLAND KEY, FL 33042-4067 |
| Document Number | 0030981989 |
| Book / Page | 3098 / 1989 |
| Map Reference | MB 7 PG 16 |
| Instrument Date | May 5, 2021 |
| Instrument | 2320593 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $10,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 42034, SUMMERLAND KEY, FL 33042 |
| Name | Verified Name |
|---|---|
| Address | 20833 4TH AVE W, CUDJOE KEY, FL 33042-4067 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 6, 2017 |
| Property Address | 20833 4TH AVE W, SUMMERLAND KEY, FL 33042-4067 |
| Document Number | 0028630238 |
| Book / Page | 002863 / 000238 |
| Instrument Date | Jul 6, 2017 |
| Instrument | 2130012 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,815.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 420324 SUGARLOAF FL 330420324, SUGARLOAF, FL 33042-0324 |
| Document Number | 28630244 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 002863/000244 |
| Instrument | 2130015 |
| Name | FLINT DOUGLAS R FAMILY TR (PT) |
|---|---|
| Address | 23 EVERGREEN AVE, KEY WEST, FL 33040-6244 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jul 5, 2018 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
The 2025 property tax bill for 20833 4th Ave W was $14,921 with a homeowner's exemption, up 4.9% from the year before.
Source: Monroe County assessment roll, as of December 8, 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 | $14,921.00 (+4.89%) Homeowner's exemption | $1,701,843 Land $997,475 Building $704,368 | $1,701,843 Land $997,475 Building $704,368 |
| 2024 | $14,226.00 (+13.17%) | ||
| 2023 | $12,571.00 (+13.6%) | $1,537,666 (+22.87%) Land $865,456 Building $672,210 | $1,537,666 (+22.87%) Land $865,456 Building $672,210 |
| 2022 | $11,066.00 | $1,251,476 Land $580,883 Building $670,593 | $1,251,476 Land $580,883 Building $670,593 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20833 4th 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 | 9.0 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 20833 4th 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures