Monroe County property record for 20843 4th Ave W, Cudjoe Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,825 sqft · built 2000 |
| Lot Size | 0.286 acres (12,500 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $412,500 (Dec 2000) |
| Tax Bill | $4,713 (2024) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00174635-001200 |
| Primary APN | 00174635-001200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,825 sqft Living Area |
| 1st Floor Area | 1,825 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,500 sqft (0.286 acres) |
| Garage Area | 550 sqft |
| Pool Area | 336 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 426 sqft |
| Patio Area | 1,452 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 8566417 |
|---|---|
| Street Address | 20843 4TH AVE W |
| City | CUDJOE KEY |
| State | FL |
| Zip | 33042-4067 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 21 LT 12 CUDJOE GARDENS EIGHTH ADDITION PB7-16 OR1272-492/94PET CASE92-280-CP-13 OR1282-2179/82/TR OR1318-1404/06 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 30 |
| Legal Subdivision | CUDJOE GARDENS 8TH ADD |
| Legal Block | 21 |
| Legal Lot Number | 12 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 971501 |
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 20843 4TH AVE W, CUDJOE KEY, FL 33042-4067 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2000 · Amount on Record |
| Deed Sale | Dec 22, 2000 · Amount on Record |
| Prior Sale | May 12, 1999 · Amount on Record |
| Deed Document Number | 0166701823 |
| Deed Book / Page | 01667 / 01823 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 20843 4TH AVE W, CUDJOE KEY, FL 33042-4067 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 20843 4TH AVE W, CUDJOE KEY, FL 33042-4067 |
| Document Number | 0031000656 |
|---|---|
| Date | May 25, 2021 |
| Book Page | 3100/656 |
| Instrument | 2321582 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
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 | $514,276 (+5.99%) | $1,548,535 (+12.38%) Land $1,030,625 Building $517,910 | |
| 2024 | $4,713.00 (+4.41%) | ||
| 2023 | $4,514.00 (+2.68%) Homeowner's exemption | $485,227 (+3%) | $1,377,914 (+26.33%) Land $894,219 Building $483,695 |
| 2022 | $4,396.00 Homeowner's exemption | $471,095 | $1,090,714 Land $600,188 Building $490,526 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fiber · DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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