Monroe County property record for 21045 3rd Ave, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,783 sqft · built 1973 |
| Lot Size | 0.71 acres (30,940 sqft) |
| Owner | Individual Name on File |
| Last Sale | $45,000 (Dec 1998) |
| Tax Bill | $7,891 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00172810-000100 |
| Primary APN | 00172810-000100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,783 sqft Living Area |
| 1st Floor Area | 1,498 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 30,940 sqft (0.71 acres) |
| Lot Dimensions | 97 ft deep x 160 ft wide |
| Garage Area | 550 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 672 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 8776918 |
|---|---|
| Old Parcel Number | 29662800172810000100 |
| Street Address | 21045 3RD AVE |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 7 LOTS 3-4-5-6 CUDJOE GARDENS PB4-78 CUDJOE KEY OR265-287 OR439-250 OR521-693 OR522-495 OR711-59 OR792-650 OR813-898 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 29 |
| Legal Subdivision | CUDJOE GARDENS |
| Legal Block | 7 |
| Legal Lot Number | 3-6 4 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 971501 |
21045 3rd Ave is owned and occupied by an individual who bought it in December 1998.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21045 3RD AVE, SUMMERLAND KEY, FL 33042-4034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 1998 · Amount on File |
| Deed Sale | Dec 18, 1998 · Amount on File |
| Prior Sale | Nov 16, 1993 |
| Deed Document Number | 0155100968 |
| Deed Book / Page | 01551 / 00968 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 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 | $1,018,029 | $2,066,542 Land $1,555,453 Building $511,089 | |
| 2024 | $7,891.00 (-7.02%) | ||
| 2023 | $8,487.00 (+23.83%) Homeowner's exemption | $1,284,014 (+56.05%) | $2,738,810 (+68.5%) Land $2,258,473 Building $480,337 |
| 2022 | $6,854.00 Homeowner's exemption | $822,835 | $1,625,426 Land $1,146,890 Building $478,536 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21045 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 |
|
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 21045 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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