21006 3rd Ave, Cudjoe Key (Summerland Key), FL 33042 Property Records

Monroe County property record for 21006 3rd Ave, Cudjoe Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,208 sqft · built 1992
Lot Size	0.196 acres (8,541 sqft)
Owner	Individual Name on File
Last Sale	$778,000 (Apr 2021)
Tax Bill	$6,367 (2024)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00172920-000000`

Property Details

APN / Parcel Number

Primary APN	`00172920-000000`
Alternative APNs	`29662800172920000000` `1222321`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,208 sqft Living Area
1st Floor Area	1,208 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2014
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,541 sqft (0.196 acres)
Garage Area	367 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	340 sqft
Deck Area	310 sqft
Patio Area	310 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1222321
Old Parcel Number	29662800172920000000
Street Address	21006 3RD AVE
City	CUDJOE KEY
State	FL
Zip	33042-4034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 7 LT 14 CUDJOE GARDENS PB4-78 CUDJOE KEY OR528-726 OR767-992/93 OR1159-187 OR1523-1582 OR1412-1781 OR1540-1523 OR1595-1308
Legal Range	28E
Legal Township	66S
Legal Section	29
Legal Subdivision	CUDJOE GARDENS
Legal Block	7
Legal Lot Number	14
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2026
Census Tract	971501

Owner

21006 3rd Ave is owned and occupied by an individual who bought it in April 2021.

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 Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	21006 3RD AVE, CUDJOE KEY, FL 33042-4034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2021 · Amount on File
Deed Sale	Apr 9, 2021 · Amount on File
Prior Sale	Jun 15, 2015 · Amount on File
Deed Document Number	2312779
Deed Book / Page	3087 / 2460
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 9, 2021
Property Address	21006 3RD AVE, CUDJOE KEY, FL 33042-4034
Document Number	0030872460
Book / Page	3087 / 2460
Map Reference	MB 4 PG 78
Instrument Date	Apr 8, 2021
Instrument	2312779
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	TRUE TITLE FLORIDA KEYS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,446.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21006 3RD AVE, 21006, SUMMERLAND KEY, FL 33042-4034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21006 3RD AVE, SUMMERLAND KEY, FL 33042-4034

Mortgage

Document Number	0030872462
Date	Apr 9, 2021
Instrument	3087/2462

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$753,205	$1,034,563 Land $745,007 Building $289,556
2024	$6,367.00 (+4.05%)
2023	$6,119.00 (+2.84%) Homeowner's exemption	$710,659 (+3%)	$852,566 (+23.57%) Land $577,151 Building $275,415
2022	$5,950.00 Homeowner's exemption	$689,961 Land $413,893 Building $276,068	$689,961 Land $413,893 Building $276,068

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

Flood

FEMA maps place 21006 3rd Ave 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	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 21006 3rd Ave 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.

Internet Providers

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