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220 3rd St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 220 3rd St, Key Colony Beach, FL 33051

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,280 sqft · built 1972
Lot Size0.067 acres (2,946 sqft)
Owner2 Individual Names on File
Last Sale$220,000 (Jul 2003)
Tax Bill$2,257 (2024)
Deeds & MortgagesMar 2018 Loan Modification
Feb 2018 Mortgage
Flood ZoneZone AE (high risk)
APN00072630-000000

Property Details

APN / Parcel Number

Primary APN00072630-000000
Alternative APNs
  • 04663300072630000000
  • 1076686

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,280 sqft Living Area
1st Floor Area1,280 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 2002
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialTar & Gravel
Lot Area2,946 sqft (0.067 acres)
Garage TypeCarport
CarportCarport

Exterior Amenities

Pool TypePublic / Commercial Pool
Deck Area30 sqft
Patio Area255 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1076686
Old Parcel Number04663300072630000000
Street Address220 3RD ST
CityKEY COLONY BEACH
StateFL
Zip33051
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 2 N'LY PORTION LOT 35 KEY COLONY BEACH SHELTER KEY PB3-120 OR433-481 OR767-1153 OR477-539 OR479-914 OR1347-1677 OR1351-496
Legal Range33E
Legal Township66S
Legal Section04
Legal SubdivisionKEY COLONY BEACH
Legal Block2
Legal Lot Number35
JurisdictionMONROE FL
Township / Civil DivisionMIDDLE KEYS
Census Block Group2
Census Block2039
Census Tract971001

Owner

220 3rd St is owned and occupied by two individuals who bought it in July 2003.

Source: Monroe County records, as of December 5, 2025

Owner of Record2 Individual Names on File
Mailing AddressPO BOX 522467, MARATHON SHORES, FL 33052-2467
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Mar 26, 2018Loan Modification, Mortgage
ATTORNEY ONLY
Feb 13, 2018Deed of Trust, Mortgage · Conventional Mortgage
US SMALL BUSN ADMN

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 10, 2003 · Amount on File
Deed SaleJul 10, 2003 · Amount on File
Prior SaleJan 31, 2000 · Amount on File
Deed Document Number1382004
Deed Book / Page1907 / 0001
Record UpdatedJun 8, 2026

March 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address220 3RD ST, KEY COLONY BEACH, FL 33051
Document Number0028982442
Instrument DateMar 26, 2018
Transaction TypeMortgage
Record UpdatedNov 19, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 522467 MARATHON SHORES FL 330522467, MARATHON SHORES, FL 33052-2467

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address220 3RD ST, KEY COLONY BEACH, FL 33051
Document Number0028921724
Instrument DateFeb 13, 2018
Transaction TypeMortgage
Record UpdatedFeb 28, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 522467 MARATHON SHORES FL 330522467, MARATHON SHORES, FL 33052-2467

Mortgage

Document Number0028921724
DateFeb 20, 2018
Book Page002892/001724
Instrument2156102
Lender
NameUS SMALL BUSN ADMN
AddressBIRMINGHAM, AL 35211
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueFeb 19, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey Colony Beach City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$220,510$471,217 Land $243,812 Building $227,405
2024$2,257.00 (+6.71%)
2023$2,115.00 (+3.93%) Homeowner's exemption$208,055 (+3%)$513,745 (+45.6%) Land $249,360 Building $264,385
2022$2,035.00 Homeowner's exemption$201,996$352,845 Land $135,805 Building $217,040

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 220 3rd St 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 405 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies612 units insured
incl. 207 condo units
Nearby Flood Claims582 (1983–2018)
Most Recent ClaimAug 2018 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Oct 2017 · 305 claims
  • Hurricane Wilma, Oct 2005 · 69 claims
  • Hurricane Georges, Sep 1998 · 127 claims

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.

Wildfire

The area around 220 3rd St 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 RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, Hotwire Communications, Verizon.

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