Monroe County property record for 20863 2nd Ave W, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,042 sqft · built 2021 |
| Lot Size | 0.332 acres (14,443 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Oct 2016) |
| Tax Bill | $14,124 (2024) |
| Deeds & Mortgages | Oct 2017 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 00174635-003800 |
| Primary APN | 00174635-003800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,042 sqft Living Area |
| 1st Floor Area | 3,042 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 14,443 sqft (0.332 acres) |
| View / Lot | Canal |
| Garage Type | Detached |
| Garage Area | 820 sqft |
| Porch | Florida Room |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 8566697 |
|---|---|
| Street Address | 20863 2ND AVE W |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4063 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 22 LT 21 AND THE W 20 FT LT 22 CUDJOE GARDENS EIGHTH ADDITION PB7-16 OR1179-78 OR1316-1163 OR1316-1167 OR2079-1500/01ORD OR2070-2099/2100 OR2079-1502 OR2412-1656 OR2442-1919 OR2585-1851/52 OR2822-1110/11 OR2874-531/32 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 30 |
| Legal Subdivision | CUDJOE GARDENS 8TH ADD |
| Legal Block | 22 |
| Legal Lot Number | 21,22 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 971501 |
20863 2nd Ave W is owned by two individuals who acquired it in October 2017.
Source: Monroe County records, as of March 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9516 CORTEZ RD W, 1, BRADENTON, FL 34210-1800 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2016 · Amount on File |
| Deed Sale | Oct 26, 2016 · Amount on File |
| Prior Sale | Dec 2, 2009 · Amount on File |
| Deed Document Number | 20162096884 |
| Deed Book / Page | 2822 / 1110 |
| Last Transfer Date | Oct 3, 2017 |
| Transfer Doc | 0028740531 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 10, 2017 |
| Property Address | 20863 2ND AVE W, CUDJOE KEY, FL 33042 |
| Document Number | 0028740531 |
| Book / Page | 002874 / 000531 |
| Instrument Date | Oct 3, 2017 |
| Instrument | 2139191 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5916 SHORE ACRES DR BRADENTON FL 342091454, BRADENTON, FL 34209-1454 |
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 | $1,922,498 Land $1,055,783 Building $866,715 | $1,922,498 Land $1,055,783 Building $866,715 | |
| 2024 | $14,124.00 (+13.17%) | ||
| 2023 | $12,480.00 (+13.01%) | $1,738,542 (+19.98%) Land $916,047 Building $822,495 | $1,738,542 (+19.98%) Land $916,047 Building $822,495 |
| 2022 | $11,043.00 | $1,448,993 Land $614,839 Building $834,154 | $1,448,993 Land $614,839 Building $834,154 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20863 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 20863 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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