Monroe County property record for 21089 5th Ave, Cudjoe Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,549 sqft · built 1995 |
| Lot Size | 0.204 acres (8,900 sqft) |
| Owner | Individual Name on File |
| Last Sale | $555,000 (Jun 2012) |
| Tax Bill | $8,566 (2024) |
| Deeds & Mortgages | Jun 2019 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 00173150-000000 |
| Primary APN | 00173150-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,549 sqft Living Area |
| 1st Floor Area | 1,549 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Shingle |
| Lot Area | 8,900 sqft (0.204 acres) |
| Garage Area | 384 sqft |
| Pool Area | 220 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 173 sqft |
| Patio Area | 1,728 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1222542 |
|---|---|
| Old Parcel Number | 32662800173150000000 |
| Street Address | 21089 5TH AVE |
| City | CUDJOE KEY |
| State | FL |
| Zip | 33042-4032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 9 LT 7 CUDJOE GARDENS FIRST ADDN CUDJOE KEY PB4-105 OR524-1057 OR782-752 OR1288-969 OR2415-24/30F/J OR2573-1715/17 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 32 |
| Legal Subdivision | CUDJOE GARDENS 1ST ADD |
| Legal Block | 9 |
| Legal Lot Number | 7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 971501 |
21089 5th Ave is owned by an individual who bought it in June 2012.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 877 SMOKY PARK HWY, CANDLER, NC 28715-9684 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2012 · Amount on File |
| Deed Sale | Jun 6, 2012 · Amount on File |
| Prior Sale | Jul 21, 1998 · Amount on File |
| Deed Document Number | 1886128 |
| Deed Book / Page | 2573 / 1715 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 21089 5TH AVE, CUDJOE KEY, FL 33042-4032 |
| Document Number | 0029721565 |
| Instrument Date | Jun 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 99 GILBERT B CROOK RD CANDLER NC 287158869, CANDLER, NC 28715-8869 |
| Document Number | 0029721565 |
|---|---|
| Date | Jul 1, 2019 |
| Book Page | 002972/001565 |
| Instrument | 2226767 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 30, 2044 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,103,714 Land $725,172 Building $378,542 | $1,103,714 Land $725,172 Building $378,542 | |
| 2024 | $8,566.00 (-7.27%) | ||
| 2023 | $9,238.00 (+26.43%) | $1,355,415 (+63.91%) Land $992,795 Building $362,620 | $1,355,415 (+63.91%) Land $992,795 Building $362,620 |
| 2022 | $7,307.00 | $826,927 Land $457,549 Building $369,378 | $826,927 Land $457,549 Building $369,378 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21089 5th 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 21089 5th 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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