Monroe County property record for 20883 4th Ave W, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,784 sqft · built 2011 |
| Lot Size | 0.301 acres (13,125 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,350,000 (Jul 2025) |
| Tax Bill | $12,984 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00174635-001500 |
| Primary APN | 00174635-001500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,784 sqft Living Area |
| Gross Area | 3,268 sqft |
| 1st Floor Area | 2,524 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,125 sqft (0.301 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 556 sqft |
| Patio Area | 934 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 8566450 |
|---|---|
| Street Address | 20883 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 15 CUDJOE GARDENS EIGHTH ADDITION PB7-16 OR1272-492/94PET OR1282-2179/82 OR1318-1404/06 OR1320-2251/53 OR1333-14 OR1633-1350 OR1914-2357 OR2350-1977/78 OR2693-1756/57 OR2783-2256/57 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 30 |
| Legal Subdivision | CUDJOE GARDENS 8TH ADD |
| Legal Block | 21 |
| Legal Lot Number | 15 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 971501 |
20883 4th Ave W is owned by two individuals who bought it in July 2025.
Source: Monroe County records, as of March 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 180 PATTY BOWKER RD, TABERNACLE, NJ 08088-9350 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 | Jul 24, 2025 · Amount on File |
| Deed Sale | Jul 24, 2025 · Amount on File |
| Prior Sale | Feb 26, 2016 · Amount on File |
| Deed Document Number | 2025168 |
| Deed Book / Page | 3336 / 2378 |
| Prior Transfer Date | Dec 13, 2005 |
| Prior Transfer Doc | 0021830990 |
| Record Updated | Jun 8, 2026 |
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 | $1,829,429 Land $1,205,991 Building $623,438 | $1,829,429 Land $1,205,991 Building $623,438 | |
| 2024 | $12,984.00 (+12.8%) | ||
| 2023 | $11,511.00 (+16.17%) | $1,598,063 (+29.16%) Land $1,002,422 Building $595,641 | $1,598,063 (+29.16%) Land $1,002,422 Building $595,641 |
| 2022 | $9,909.00 | $1,237,298 Land $638,466 Building $598,832 | $1,237,298 Land $638,466 Building $598,832 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20883 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 | 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 20883 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 |
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