Monroe County property record for 21076 3rd Ave, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,736 sqft · built 1992 |
| Lot Size | 0.197 acres (8,587 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,535,000 (Jul 2024) |
| Tax Bill | $8,320 (2024) |
| Deeds & Mortgages | May 2023 Sale Jun 2023 Re-recorded Document + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00172860-000000 |
| Primary APN | 00172860-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,736 sqft Living Area |
| Gross Area | 2,114 sqft |
| 1st Floor Area | 1,736 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 8,587 sqft (0.197 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 378 sqft |
| Pool Area | 360 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 266 sqft |
| Deck Area | 463 sqft |
| Patio Area | 1,255 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1222267 |
|---|---|
| Street Address | 21076 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 8 CUDJOE GARDENS PB4-78 CUDJOE KEY OR455-504 OR923-1377 OR944-2025Q/C OR1036-2222 OR1103-1200 OR1439-1061 OR2130-1010/11TR OR2185-1957 OR2335-2412F/J OR3225-2050 OR3229-1011 OR3283-0825 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 29 |
| Legal Subdivision | CUDJOE GARDENS |
| Legal Block | 7 |
| Legal Lot Number | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 971501 |
21076 3rd Ave is owned by two individuals who bought it in July 2024.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2600 BEXLEY PARK RD, COLUMBUS, OH 43209-2125 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 18, 2023 | Warranty Deed, Transfer TRUE TITLE FLORIDA KEYS INC |
| Jun 12, 2023 | Re-recorded Document TRUE TITLE FLORIDA KEYS INC |
| Jun 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2024 · Amount on File |
| Deed Sale | Jul 3, 2024 · Amount on File |
| Prior Sale | May 18, 2023 · Amount on File |
| Deed Document Number | 20242467415 |
| Deed Book / Page | 3283 / 825 |
| Transfer Doc | 1439001061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 18, 2023 |
| Property Address | 21076 3RD AVE, SUMMERLAND KEY, FL 33042-4034 |
| Document Number | 0032252050 |
| Book / Page | 3225 / 2050 |
| Map Reference | MB 4 PG 78 |
| Instrument Date | May 16, 2023 |
| Instrument | 2418389 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2023 |
| Title Company | TRUE TITLE FLORIDA KEYS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $7,350.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1037 SHADY LAKES CIR, PALM BEACH GARDENS, FL 33418-3554 |
| Name | Verified Name |
|---|---|
| Address | 12400 OWINGS MILLS BLVD STE B, B, REISTERSTOWN, MD 21136-1749 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 12, 2023 |
| Property Address | 21076 3RD AVE, SUMMERLAND KEY, FL 33042-4034 |
| Document Number | 0032291011 |
| Book / Page | 3229 / 1011 |
| Map Reference | MB 4 PG 78 |
| Instrument Date | May 16, 2023 |
| Instrument | 2421220 |
| Record Updated | Jul 4, 2023 |
| Title Company | TRUE TITLE FLORIDA KEYS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 1037 SHADY LAKES CIR, PALM BEACH GARDENS, FL 33418-3554 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 12400 OWINGS MILLS BLVD STE B, B, REISTERSTOWN, MD 21136-1749 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 21076 3RD AVE, SUMMERLAND KEY, FL 33042-4034 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1037 SHADY LAKES CIR, PALM BCH GDNS, FL 33418-3554 |
| Document Number | 0031042408 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 3104/2408 |
| Instrument | 2324891 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 21076 3RD AVE, SUMMERLAND KEY, FL 33042-4034 |
| Document Number | 0029572398 |
| Instrument Date | Mar 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1037 SHADY LAKES CIR PALM BEACH GARDENS FL 334183554, PALM BEACH GARDENS, FL 33418-3554 |
| Document Number | 0029572398 |
|---|---|
| Date | Apr 8, 2019 |
| Book Page | 002957/002398 |
| Instrument | 2214552 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 7, 2049 |
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 | $1,304,351 Land $714,095 Building $590,256 | $1,304,351 Land $714,095 Building $590,256 | |
| 2024 | $8,320.00 (-7.71%) | ||
| 2023 | $9,015.00 (+27.03%) | $1,298,937 (+67.71%) Land $977,630 Building $321,307 | $1,298,937 (+67.71%) Land $977,630 Building $321,307 |
| 2022 | $7,097.00 | $774,491 Land $450,560 Building $323,931 | $774,491 Land $450,560 Building $323,931 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21076 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 21076 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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