Monroe County property record for 22959 Privateer Dr, Cudjoe Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,440 sqft · built 1990 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $400,000 (Mar 2023) |
| Tax Bill | $7,307 (2024) |
| Deeds & Mortgages | Nov 2023 Transfer Mar 2023 Sale + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00187630-000000 |
| Primary APN | 00187630-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Masonry |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 15,000 sqft (0.344 acres) |
| Garage Type | Covered |
| Garage Area | 840 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 1,824 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1239593 |
|---|---|
| Street Address | 22959 PRIVATEER DR |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 2 LTS 33 & 34 CUDJOE OCEAN SHORES PB5-107 CUDJOE KEY OR501-835 OR501-837 OR816-369 OR989-568 OR1098-200 OR1189-2247 OR1325-1623 OR2848-363 OR3167-1347 OR3216-1303 OR3250-0329 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 34 |
| Legal Subdivision | CUDJOE OCEAN SHORES |
| Legal Block | 2 |
| Legal Lot Number | 33,34 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 971501 |
22959 Privateer Dr is owned by a company that acquired it in November 2023.
Source: Monroe County records, as of March 19, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3814 FLAGLER AVE, KEY WEST, FL 33040-4531 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Nov 7, 2023 | Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Mar 22, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Apr 14, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Apr 7, 2017 | Warranty Deed, Transfer · FHA Mortgage IBERIABANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 22, 2023 · Amount on File |
| Deed Sale | Mar 22, 2023 · Amount on File |
| Prior Sale | Apr 14, 2022 · Amount on File |
| Deed Document Number | 20232410812 |
| Deed Book / Page | 3216 / 1303 |
| Last Transfer Date | Nov 2, 2023 |
| Transfer Doc | 0032500329 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 7, 2023 |
| Property Address | 22959 PRIVATEER DR, CUDJOE KEY, FL 33042-4209 |
| Document Number | 0032500329 |
| Book / Page | 3250 / 329 |
| Map Reference | MB 5 PG 107 |
| Instrument Date | Nov 2, 2023 |
| Instrument | 2439445 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3814 FLAGLER AVE, KEY WEST, FL 33040-4531 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 22, 2023 |
| Property Address | 22959 PRIVATEER DR, CUDJOE KEY, FL 33042-4209 |
| Document Number | 0032161303 |
| Book / Page | 3216 / 1303 |
| Map Reference | MB 5 PG 107 |
| Instrument Date | Mar 22, 2023 |
| Instrument | 2410812 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $2,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1523 PATRICIA ST, KEY WEST, FL 33040-5034 |
| Name | Verified Name |
|---|---|
| Address | 3814 FLAGSTER AVENUE, KEY WEST, FL 33040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 14, 2022 |
| Property Address | 22959 PRIVATEER DR, CUDJOE KEY, FL 33042-4209 |
| Document Number | 0031671347 |
| Book / Page | 3167 / 1347 |
| Map Reference | MB 5 PG 107 |
| Instrument Date | Apr 4, 2022 |
| Instrument | 2370995 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $3,535.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 702 S 5TH ST, 702, BONHAM, TX 75418-4612 |
| Name | Verified Name |
|---|---|
| Address | 1523 PATRICIA ST, KEY WEST, FL 33040-5034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 7, 2017 |
| Property Address | 22959 PRIVATEER DR, CUDJOE KEY, FL 33042-4209 |
| Document Number | 0028480363 |
| Book / Page | 2848 / 0363 |
| Map Reference | MB5 PG107 |
| Instrument Date | Mar 3, 2017 |
| Instrument | 2117922 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,505.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 E CHESTNUT ST # ST24, 104, BONDVILLE, IL 61815-3412 |
| Name | Verified Name |
|---|---|
| Address | 22959 PRIVATEER DR, SUMMERLAND KEY, FL 33042-4209 |
| Document Number | 0002117923 |
|---|---|
| Date | Apr 7, 2017 |
| Instrument | 2117923 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
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 | $783,127 Land $572,813 Building $210,314 | $783,127 Land $572,813 Building $210,314 | |
| 2024 | $7,307.00 (+6.98%) | ||
| 2023 | $6,830.00 (+30.37%) | $717,520 (+15.86%) Land $524,063 Building $193,457 | $717,520 (+15.86%) Land $524,063 Building $193,457 |
| 2022 | $5,239.00 | $619,290 Land $355,875 Building $263,415 | $619,290 Land $355,875 Building $263,415 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22959 Privateer Dr 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 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 |
|
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 22959 Privateer Dr 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 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 |
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