22979 Sharp Ln, Summerland Key, FL 33042 Property Records

Monroe County property record for 22979 Sharp Ln, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,508 sqft · built 1990
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$808,000 (Mar 2026)
Tax Bill	$5,478 (2024)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Oct 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`00184180-000000`

Property Details

APN / Parcel Number

Primary APN	`00184180-000000`
Alternative APNs	`33662800184180000000` `1236161`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,508 sqft Living Area
1st Floor Area	1,508 sqft
Flooring	Concrete/Cement
Interior Walls	Masonry

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	420 sqft
Porch	Florida Room
Porch Area	664 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1236161
Street Address	22979 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 1 CUTTHROAT HARBOR ESTATES FIRST ADDN PB5-60 CUDJOE KEY OR477-583 OR831-1094/98 OR1085-2187 OR1133-2479 OR1333-2293/94 OR1518-1823 OR1678-27 OR2931-1892
Legal Range	28E
Legal Township	66S
Legal Section	33
Legal Subdivision	CUTTHROAT HARBOR ESTATES 1ST ADD
Legal Block	4
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1010
Census Tract	971501

Owner

Source: Monroe County records · APN 00184180-000000

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	Individual Name on File
Mailing Address	106 IRON HORSE TRL, HARVEST, AL 35749-8129
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Oct 15, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 30, 2026 · Amount on Record
Deed Sale	Mar 30, 2026 · Amount on Record
Prior Sale	Oct 15, 2018 · Amount on Record
Deed Document Number	20262537558
Deed Book / Page	3373 / 673
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 30, 2026
Property Address	22979 SHARP LN, SUMMERLAND KEY, FL 33042-4314
Document Number	0033730673
Book / Page	3373 / 673
Map Reference	MB 5 PG 60
Instrument Date	Mar 23, 2026
Instrument	2537558
Transaction Type	Transfer
Record Updated	Apr 28, 2026
Title Company	SAFEKEY TITLE AND CLOSINGS LLC, SAFEKEY TITLE & CLOSINGS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,656.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31533 N CONLEY CIR, LEWES, DE 19958-6016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 IRON HORSE TRL, HARVEST, AL 35749-8129

Mortgage

Document Number	0003373677
Date	Mar 30, 2026
Instrument	3373/677

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 01, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.5%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 15, 2018
Property Address	22979 SHARP LN, SUMMERLAND KEY, FL 33042-4314
Document Number	0029311892
Book / Page	002931 / 001892
Instrument Date	Sep 27, 2018
Instrument	2190641
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	31533 N CONLEY CIR LEWES DE 199586016, LEWES, DE 19958-6016

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		$747,396 (+24.12%) Land $523,800 Building $223,596	$747,396 (+24.12%) Land $523,800 Building $223,596
2024	$5,478.00 (+8.39%)
2023	$5,054.00 (+9.7%)	$602,159 (+14.52%) Land $424,800 Building $177,359	$602,159 (+14.52%) Land $424,800 Building $177,359
2022	$4,607.00	$525,824 Land $345,600 Building $180,224	$525,824 Land $345,600 Building $180,224

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 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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