Monroe County property record for 21025 3rd Ave, Cudjoe Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,041 sqft · built 1989 |
| Lot Size | 0.178 acres (7,760 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $725,000 (Nov 2020) |
| Tax Bill | $8,504 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Jun 2018 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00172800-000000 |
| Primary APN | 00172800-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,041 sqft Living Area |
| Gross Area | 2,617 sqft |
| 1st Floor Area | 2,041 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,760 sqft (0.178 acres) |
| Lot Dimensions | 97 ft deep x 80 ft wide |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 408 sqft |
| Deck Area | 805 sqft |
| Patio Area | 997 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1222208 |
|---|---|
| Street Address | 21025 3RD AVE |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 7 LT 2 CUDJOE GARDENS PB4-78 CUDJOE KEY OR450-672 OR773-590 OR773-593 OR820-666 OR976-641 OR1026-2001 OR1127-111 OR1897-1773/74 OR2915-1749/50 OR3054-1107 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 29 |
| Legal Subdivision | CUDJOE GARDENS |
| Legal Block | 7 |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 971501 |
Source: Monroe County records, as of June 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 4604, KEY WEST, FL 33041-4604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2020 | Warranty Deed, Transfer VIA D B & K L TRUST (RT) |
| Jun 28, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN AMERICAN MTG |
| Jul 6, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2020 · Amount on Record |
| Deed Sale | Nov 2, 2020 · Amount on Record |
| Prior Sale | Jul 6, 2018 · Amount on Record |
| Deed Document Number | 20202289283 |
| Deed Book / Page | 3054 / 1107 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 2, 2020 |
| Property Address | 21025 3RD AVE, SUMMERLAND KEY, FL 33042-4034 |
| Document Number | 0030541107 |
| Book / Page | 003054 / 001107 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 2289283 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,075.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21025 3RD AVE CUDJOE KEY FL 330424034, CUDJOE KEY, FL 33042-4034 |
| Document Number | 30541109 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 003054/001109 |
| Instrument | 2289284 |
| Name | VIA D B & K L TRUST (RT) |
|---|---|
| Address | 7669 NW PINE LEVEL ST, ARCADIA, FL 34266-0602 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Nov 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 21025 3RD AVE, SUMMERLAND KEY, FL 33042-4034 |
| Document Number | 0029151751 |
| Instrument Date | Jun 28, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 21025 3RD AVE CUDJOE KEY FL 330424034, CUDJOE KEY, FL 33042-4034 |
| Document Number | 0029151751 |
|---|---|
| Date | Jul 6, 2018 |
| Book Page | 002915/001751 |
| Instrument | 2176843 |
| Name | FRANKLIN AMERICAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15220 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 5, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 6, 2018 |
| Property Address | 21025 3RD AVE, SUMMERLAND KEY, FL 33042-4034 |
| Document Number | 0029151749 |
| Book / Page | 002915 / 001749 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 2176842 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,445.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 7669 NW PINE LEVEL ST ARCADIA FL 342660602, ARCADIA, FL 34266-0602 |
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 | $8,504.00 (+5.36%) Homeowner's exemption | $924,281 (-17.98%) | $969,521 (-22.9%) Land $587,820 Building $381,701 |
| 2024 | $8,071.00 (-18.83%) | ||
| 2023 | $9,943.00 (+49.5%) Homeowner's exemption | $1,126,893 (+42.28%) | $1,257,442 (+58.76%) Land $885,649 Building $371,793 |
| 2022 | $6,651.00 | $792,027 Land $407,555 Building $384,472 | $792,027 Land $407,555 Building $384,472 |
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 | 8.0 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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