22944 Lookdown Ln, Cudjoe Key (Summerland Key), FL 33042 Property Records

Monroe County property record for 22944 Lookdown Ln, Cudjoe Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,520 sqft · built 2002
Lot Size	0.468 acres (20,400 sqft)
Owner	Individual Name on File
Last Sale	$1,825,000 (Aug 2022)
Tax Bill	$14,003 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00188684-006600`

Property Details

APN / Parcel Number

Primary APN	`00188684-006600`
Alternative APNs	`28662800188684006600` `1249513`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,520 sqft Living Area
1st Floor Area	2,516 sqft
Flooring	Concrete/Cement
Interior Walls	Masonry

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	20,400 sqft (0.468 acres)
View / Lot	Canal
Garage Type	Detached
Garage Area	784 sqft

Exterior Amenities

Pool Area	360 sqft
Porch	Florida Room
Porch Area	524 sqft
Deck Area	486 sqft
Patio Area	1,856 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1249513
Street Address	22944 LOOKDOWN LN
City	CUDJOE KEY
State	FL
Zip	33042-4709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 11 LTS 29-30 AMENDED PLAT CUDJOE OCEAN SHORES SECTION TWO-A CUDJOE KEY PB6-76 OR513-94 OR573-716 OR814-1396 OR814-1397 OR901-2290 OR934-694R/S OR1029-508 OR1095-2114 OR1194-2478 OR1200-775 OR1557-1483 OR1567-1142 OR1976-518/19 OR2542-869/70 OR2754
Legal Range	28E
Legal Township	66S
Legal Section	28
Legal Subdivision	CUDJOE OCEAN SHORES AMD SEC 2A
Legal Block	11
Legal Lot Number	29-30
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2008
Census Tract	971501

Owner

22944 Lookdown Ln is owned by an individual who bought it in August 2022.

Source: Monroe County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	PO BOX 19474, LOUISVILLE, KY 40259-0474
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2022 · Amount on File
Deed Sale	Aug 3, 2022 · Amount on File
Prior Sale	Nov 16, 2011 · Amount on File
Deed Document Number	20222386173
Deed Book / Page	3187 / 600
Prior Transfer Date	Jul 31, 2015
Prior Transfer Doc	0027541163
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 3, 2022
Property Address	22944 LOOKDOWN LN, CUDJOE KEY, FL 33042-4709
Document Number	0031870600
Book / Page	3187 / 600
Map Reference	MB 6 PG 76
Instrument Date	Aug 1, 2022
Instrument	2386173
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3912 CENTRALOMA DR, SAN DIEGO, CA 92107-2710

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 19474, LOUISVILLE, KY 40259-0474

Mortgage

Document Number	0003187604
Date	Aug 3, 2022
Instrument	3187/604

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 1, 2027

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,625,494 Land $988,380 Building $637,114	$1,625,494 Land $988,380 Building $637,114
2024	$14,003.00 (-4.44%)
2023	$14,654.00 (+48.07%)	$1,677,968 (+33.53%) Land $1,063,962 Building $614,006	$1,677,968 (+33.53%) Land $1,063,962 Building $614,006
2022	$9,897.00	$1,256,641 Land $633,726 Building $622,915	$1,256,641 Land $633,726 Building $622,915

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

Flood

FEMA maps place 22944 Lookdown Ln 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	Hurricane Irma, Sep 2017 · 72 claims Hurricane Wilma, Oct 2005 · 75 claims Hurricane Georges, Oct 1998 · 217 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

Wildfire risk around 22944 Lookdown Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 278 locations within half a mile, as of December 31, 2025

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