Monroe County property record for 21026 3rd Ave, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,000 sqft · built 1987 |
| Lot Size | 0.178 acres (7,760 sqft) |
| Owner | Individual Name on File |
| Last Sale | $12,000 (Jan 2010) |
| Tax Bill | $4,581 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00172910-000000 |
| Primary APN | 00172910-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,000 sqft Living Area |
| Gross Area | 2,208 sqft |
| 1st Floor Area | 2,000 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2011 |
| 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 | 208 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 350 sqft |
| Deck Area | 384 sqft |
| Patio Area | 520 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1222313 |
|---|---|
| Street Address | 21026 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 13 CUDJOE GARDENS PB4-78 CUDJOE KEY OR507-969 OR987-1350 OR1034-1284 OR1036-911C OR1408-1156QC OR1699-721 OR1930-374 OR2394-698/75F/J OR2448-454/56 OR2925-2226/41F/J |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 29 |
| Legal Subdivision | CUDJOE GARDENS |
| Legal Block | 7 |
| Legal Lot Number | 13 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 971501 |
21026 3rd Ave is owned and occupied by an individual who bought it in January 2010.
Source: Monroe County records, as of December 8, 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 |
|---|---|
| Mailing Address | 21026 3RD AVE, SUMMERLAND KEY, FL 33042-4034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2010 · Amount on File |
| Deed Sale | Jan 8, 2010 · Amount on File |
| Prior Sale | Sep 12, 2003 · Amount on File |
| Deed Document Number | 20101773502 |
| Deed Book / Page | 2448 / 454 |
| Transfer Doc | 1408001156 |
| Record Updated | Sep 20, 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 | $498,146 (+2.9%) | $931,577 (+8.29%) Land $587,820 Building $343,757 | |
| 2024 | $4,581.00 (+4.47%) Homeowner's exemption | $484,107 (+3%) | $860,264 (-28.81%) Land $517,282 Building $342,982 |
| 2023 | $4,385.00 (+2.69%) Homeowner's exemption | $470,007 (+3%) | $1,208,454 (+64.09%) Land $885,649 Building $322,805 |
| 2022 | $4,270.00 Homeowner's exemption | $456,318 | $736,455 Land $407,555 Building $328,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21026 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 | 9.0 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 21026 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.
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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