1. Home
  2. Florida
  3. Monroe County
  4. Cudjoe Key
  5. 2nd Ave W

20995 2nd Ave W, Cudjoe Key (Summerland Key), FL 33042 Property Records

Monroe County property record for 20995 2nd Ave W, Cudjoe Key, FL 33042

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,184 sqft · built 2007
Lot Size0.378 acres (16,480 sqft)
OwnerIndividual Name on File
Last Sale$2,300,000 (Jan 2024)
Tax Bill$17,465 (2024)
Deeds & MortgagesJan 2024 Sale
Jul 2023 Sale
+ 1 more
Flood ZoneZone AE (high risk)
APN00174635-004300

Property Details

APN / Parcel Number

Primary APN00174635-004300
Alternative APNs
  • 30662800174635004300
  • 8566743

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,184 sqft Living Area
1st Floor Area2,184 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2019
Exterior MaterialOther
Foundation TypeBlock
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area16,480 sqft (0.378 acres)
Garage Area807 sqft

Exterior Amenities

Pool Area260 sqft
PorchOpen Porch
Porch Area636 sqft
Patio Area1,452 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number8566743
Old Parcel Number30662800174635004300
Street Address20995 2ND AVE W
CityCUDJOE KEY
StateFL
Zip33042-4058
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 22 LT 26 CUDJOE GARDENS EIGHTH ADDITION PB7-16 OR1265-2251 OR1537-158 OR1790-1050 OR1911-1838 OR1989-1701 OR2468-1065
Legal Range28E
Legal Township66S
Legal Section30
Legal SubdivisionCUDJOE GARDENS 8TH ADD
Legal Block22
Legal Lot Number26
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group2
Census Block2026
Census Tract971501

Owner

20995 2nd Ave W is owned by an individual who bought it in January 2024.

Source: Monroe County records, as of December 5, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address208 LOCUST HILL DR, CHURCHVILLE, MD 21028-1400
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 26, 2024Warranty Deed, Transfer
Jul 26, 2023Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Nov 21, 2019Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 26, 2024 · Amount on File
Deed SaleJan 26, 2024 · Amount on File
Prior SaleJul 26, 2023 · Amount on File
Deed Document Number2449088
Deed Book / Page3260 / 103
Record UpdatedJun 8, 2026

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 26, 2024
Property Address20995 2ND AVE W, CUDJOE KEY, FL 33042-4058
Document Number0032600103
Book / Page3260 / 103
Map ReferenceMB 7 PG 16
Instrument DateJan 26, 2024
Instrument2449088
Transaction TypeTransfer
Record UpdatedMar 12, 2024

Transaction

AmountAmount on Record
Tax$16,100.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address201 LOCUST HILL DR, CHURCHVILLE, MD 21028-1428

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 26, 2023
Property Address20995 2ND AVE W, CUDJOE KEY, FL 33042-4058
Document Number0032352400
Book / Page3235 / 2400
Map ReferenceMB 7 PG 16
Instrument DateJul 25, 2023
Instrument2426414
Transaction TypeTransfer
Record UpdatedJan 23, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$15,400.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address21055 FORT MYERS WAY, VENICE, FL 34293-2034

Transferred To (Grantee/Buyer)

NameVerified Name
Address419 CACTUS DR, KEY WEST, FL 33040-6213

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateNov 21, 2019
Property Address20995 2ND AVE W, SUMMERLAND KEY, FL 33042-4058
Document Number0029951743
Book / Page002995 / 001743
Instrument DateNov 21, 2019
Instrument2245672
Transaction TypeTransfer
Record UpdatedDec 27, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$8,330.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address20995 2ND AVE W CUDJOE KEY FL 330424058, CUDJOE KEY, FL 33042-4058

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,920,736 Land $1,320,954 Building $599,782$1,920,736 Land $1,320,954 Building $599,782
2024$17,465.00 (+21.92%)
2023$14,325.00 (+38.92%) Homeowner's exemption$1,644,743 (+31.72%) Land $1,097,980 Building $546,763$1,644,743 (+31.72%) Land $1,097,980 Building $546,763
2022$10,312.00$1,248,637 Land $699,329 Building $549,308$1,248,637 Land $699,329 Building $549,308

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

Flood

FEMA maps place 20995 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 227 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies227 in force
Nearby Flood Claims381 (1980–2017)
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 72 claims
  • Hurricane Wilma, Oct 2005 · 75 claims
  • Hurricane Georges, Oct 1998 · 217 claims

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.

Wildfire

The area around 20995 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 RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

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

Nearby Properties on 2nd Ave W

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures