20843 2nd Ave W, Cudjoe Key (Summerland Key), FL 33042 Property Records

Monroe County property record for 20843 2nd Ave W, Cudjoe Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,048 sqft · built 2005
Lot Size	0.229 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$1,005,500 (Feb 2021)
Tax Bill	$11,358 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Feb 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00174635-003700`

Property Details

APN / Parcel Number

Primary APN	`00174635-003700`
Alternative APN	`8566689`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,048 sqft Living Area
1st Floor Area	2,048 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2013
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,000 sqft (0.229 acres)
Garage Area	520 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	446 sqft
Patio Area	780 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	8566689
Street Address	20843 2ND AVE W
City	CUDJOE KEY
State	FL
Zip	33042-4063
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 22 LT 20 CUDJOE GARDENS EIGHTH ADDITION PB7-16 OR967-119 OR1318-2032/34 OR1320-2426 OR1628-153 OR1735-1328 OR1831-2380/81
Legal Range	28E
Legal Township	66S
Legal Section	30
Legal Subdivision	CUDJOE GARDENS 8TH ADD
Legal Block	22
Legal Lot Number	20
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2026
Census Tract	971501

Owner

Source: Monroe County records · APN 00174635-003700

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	73 HANE ST, KAILUA KONA, HI 96740
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 18, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 30, 2020	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 18, 2021 · Amount on Record
Deed Sale	Feb 18, 2021 · Amount on Record
Prior Sale	Sep 14, 2009 · Amount on Record
Deed Document Number	2304448
Deed Book / Page	3076 / 516
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	20843 2ND AVE W, CUDJOE KEY, FL 33042-4063
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20843 2ND AVE W, CUDJOE KEY, FL 33042-4063

Mortgage

Document Number	0031212001
Date	Aug 25, 2021
Book Page	3121/2001
Instrument	2336864

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 18, 2021
Property Address	20843 2ND AVE W, CUDJOE KEY, FL 33042-4063
Document Number	0030760516
Book / Page	3076 / 516
Map Reference	MB 7 PG 16
Instrument Date	Feb 10, 2021
Instrument	2304448
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$7,038.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	190 STATELY SHOALS TRL, 190, PONTE VEDRA, FL 32081-5048

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 420298, SUMMRLND KEY, FL 33042-0298

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	20843 2ND AVE W, CUDJOE KEY, FL 33042-4063
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030152459
Date	Mar 30, 2020
Book Page	3015/2459
Instrument	2261760

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	CAMPBELLSVILLE, KY 42718

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,353,021 (+10.48%) Land $875,500 Building $477,521	$1,353,021 (+10.48%) Land $875,500 Building $477,521
2024	$11,358.00 (+13.74%)
2023	$9,986.00 (+14.27%)	$1,224,716 (+25.32%) Land $759,625 Building $465,091	$1,224,716 (+25.32%) Land $759,625 Building $465,091
2022	$8,739.00	$977,303 Land $509,850 Building $467,453	$977,303 Land $509,850 Building $467,453

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879715012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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 Record 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	Hurricane Irma, Sep 2017 · 72 claims Hurricane Wilma, Oct 2005 · 75 claims Hurricane Georges, Oct 1998 · 217 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 47 locations within half a mile of this property.

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