Monroe County property record for 21039 5th Ave, Cudjoe Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,552 sqft · built 1987 |
| Lot Size | 0.184 acres (8,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $535,000 (Aug 2013) |
| Tax Bill | $6,060 (2024) |
| Deeds & Mortgages | Aug 2023 Transfer Mar 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00173110-000000 |
| Primary APN | 00173110-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,552 sqft Living Area |
| Gross Area | 1,952 sqft |
| 1st Floor Area | 1,552 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 8,000 sqft (0.184 acres) |
| Lot Dimensions | 100 ft deep x 80 ft wide |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 568 sqft |
| Deck Area | Deck Area |
| Patio Area | 96 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1222500 |
|---|---|
| Street Address | 21039 5TH AVE |
| City | CUDJOE KEY |
| State | FL |
| Zip | 33042-4032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 9 LOT 3 CUDJOE GARDENS FIRST ADDN CUDJOE KEY PB4-105 OR475-689 OR990-2037 OR1207-2390/91 OR1236-1089/90 OR2647-864 OR3236-2098 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 32 |
| Legal Subdivision | CUDJOE GARDENS 1ST ADD |
| Legal Block | 9 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 971501 |
Source: Monroe County records, as of March 6, 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 | 21039 5TH AVE, SUMMERLAND KEY, FL 33042-4032 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Aug 2, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2013 · Amount on Record |
| Deed Sale | Aug 29, 2013 · Amount on Record |
| Prior Sale | Dec 1, 1992 · Amount on Record |
| Deed Document Number | 20131948042 |
| Deed Book / Page | 2647 / 864 |
| Last Transfer Date | Jul 31, 2023 |
| Transfer Doc | 0032362098 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 2, 2023 |
| Property Address | 21039 5TH AVE, CUDJOE KEY, FL 33042-4032 |
| Document Number | 0032362098 |
| Book / Page | 3236 / 2098 |
| Map Reference | MB 4 PG 105 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 2427168 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21039 5TH AVE, CUDJOE KEY, FL 33042-4032 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 21039 5TH AVE, CUDJOE KEY, FL 33042-4032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 21039 5TH AVE, CUDJOE KEY, FL 33042-4032 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 21039 5TH AVE, CUDJOE KEY, FL 33042-4032 |
| Document Number | 0030851622 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 3085/1622 |
| Instrument | 2311394 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
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 | $678,814 (+6.96%) | $1,029,440 (-21.08%) Land $606,000 Building $423,440 | |
| 2024 | $6,060.00 (+4.88%) | ||
| 2023 | $5,778.00 (+2.68%) Homeowner's exemption | $634,645 (+3%) | $1,304,484 (+60.31%) Land $913,040 Building $391,444 |
| 2022 | $5,627.00 Homeowner's exemption | $616,161 | $813,739 Land $420,160 Building $393,579 |
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 | 9.0 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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