22940 Sharp Ln, Summerland Key, FL 33042 Property Records

Monroe County property record for 22940 Sharp Ln, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,600 sqft · built 1982
Lot Size	0.381 acres (16,593 sqft)
Owner	Company Name on File
Last Sale	$1,410,000 (Oct 2020)
Tax Bill	$19,575 (2024)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`00184240-000000`

Property Details

APN / Parcel Number

Primary APN	`00184240-000000`
Alternative APN	`1236225`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,600 sqft Living Area
Gross Area	5,200 sqft
1st Floor Area	4,600 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	16,593 sqft (0.381 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	600 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	1,972 sqft
Patio Area	4,384 sqft
Water Feature	Water Feature
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1236225
Street Address	22940 SHARP LN
City	SUMMERLAND KEY
State	FL
Zip	33042-4314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 4 LT 7-8 AND PT RD RES NO 37-2000 CUTTHROAT HARBOR ESTATES FIRST ADDN PB5-60 CUDJOE KEY OR559-712 OR578-934 OR609-416 OR785-1764/65 OR785-1766 OR811-1704 OR818-91 OR1317-2039 OR1422-2053 OR1618-2043/44 OR1631-2344/48 OR1634-1284 OR1634-1286 OR1634
Legal Range	28E
Legal Township	66S
Legal Section	33
Legal Subdivision	CUTTHROAT HARBOR ESTATES 1ST ADD
Legal Block	4
Legal Lot Number	7-8
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1010
Census Tract	971501

Owner

Source: Monroe County records · APN 00184240-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	1297 CAMPBELL ST, PORT CHARLOTTE, FL 33953-2210
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Oct 09, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Oct 24, 2018	Warranty Deed, Transfer MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 09, 2020 · Amount on Record
Deed Sale	Oct 09, 2020 · Amount on Record
Prior Sale	Oct 24, 2018 · Amount on Record
Deed Document Number	20202285388
Deed Book / Page	3049 / 1010
Prior Transfer Date	Sep 14, 1995
Prior Transfer Doc	1369001744
Record Updated	Jun 08, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 09, 2020
Property Address	22940 SHARP LN, SUMMERLAND KEY, FL 33042-4314
Document Number	0030491010
Book / Page	3049 / 1010
Map Reference	MB 5 PG 60
Instrument Date	Oct 05, 2020
Instrument	2285388
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$9,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	751 BULLMAN RD, 751, FINGER, TN 38334-2815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1297 CAMPBELL ST, PT CHARLOTTE, FL 33953-2210

Mortgage

Document Number	0030491012
Date	Oct 09, 2020
Instrument	3049/1012

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2035

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 24, 2018
Property Address	22940 SHARP LN, SUMMERLAND KEY, FL 33042-4314
Document Number	0029330694
Book / Page	002933 / 000694
Instrument Date	Oct 10, 2018
Instrument	2191950
Transaction Type	Transfer
Record Updated	Dec 05, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$9,660.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22940 SHARP LN CUDJOE KEY FL 330424314, CUDJOE KEY, FL 33042-4314

Mortgage

Document Number	29330697
Date	Oct 24, 2018
Book Page	002933/000697
Instrument	2191951

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	921 DOUGLAS AVE # 200, ALTAMONTE SPRINGS, FL 32714-5202

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

Interest

Rate Type	Adjustable Rate
Rate	7.99%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$3,025,918 (+5.4%) Land $1,895,501 Building $1,130,417	$3,025,918 (+5.4%) Land $1,895,501 Building $1,130,417
2024	$19,575.00 (+15.53%)
2023	$16,944.00 (+19.27%)	$2,870,895 (+33.79%) Land $1,790,053 Building $1,080,842	$2,870,895 (+33.79%) Land $1,790,053 Building $1,080,842
2022	$14,206.00	$2,145,845 Land $1,059,629 Building $1,086,216	$2,145,845 Land $1,059,629 Building $1,086,216

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 501 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	501 in force
Nearby Flood Claims	1,356 (1980–2023)
Claims Outside the SFHA	2 of 1,356
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 365 claims Hurricane Wilma, Oct 2005 · 278 claims Hurricane Georges, Sep 1998 · 640 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 324 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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