22990 Sharp Ln, Summerland Key, FL 33042 Property Records

Monroe County property record for 22990 Sharp Ln, Summerland Key, FL 33042

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 2021
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Last Sale	$175,000 (Aug 2019)
Tax Bill	$4,249 (2025)
Deeds & Mortgages	Apr 2022 Transfer Apr 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00184300-000000`

Property Details

APN / Parcel Number

Primary APN	`00184300-000000`
Alternative APNs	`33662800184300000000` `1236284`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,196 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Covered
Garage Area	572 sqft
Porch	Slab

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1236284
Street Address	22990 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 13 CUTTHROAT HARBOR ESTATES FIRST ADDN CUDJOE KEY PB5-60 OR408-518 OR1248-1229/30 OR1248-1231 OR2862-1573/74 OR2977-2042 OR3169-2034
Legal Range	28E
Legal Township	66S
Legal Section	33
Legal Subdivision	CUTTHROAT HARBOR ESTATES 1ST ADD
Legal Block	4
Legal Lot Number	13
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1010
Census Tract	971501

Owner

Source: Monroe County records, as of May 4, 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 Record
Mailing Address	22990 SHARP LN, SUMMERLAND KEY, FL 33042-4314
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 1, 2019	Warranty Deed, Transfer · ARM US BANK NA
Jul 3, 2017	Warranty Deed, Transfer · Conventional Mortgage DAVID K MCNULTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019 · Amount on Record
Deed Sale	Aug 1, 2019 · Amount on Record
Prior Sale	Mar 1, 1993 · Amount on Record
Deed Document Number	20192230929
Deed Book / Page	2977 / 2042
Last Transfer Date	Apr 19, 2022
Transfer Doc	0031692034
Record Updated	Jun 8, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Apr 25, 2022
Property Address	22990 SHARP LN, CUDJOE KEY, FL 33042-4314
Document Number	0031692034
Book / Page	3169 / 2034
Map Reference	MB 5 PG 60
Instrument Date	Apr 19, 2022
Instrument	2372458
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1305 NW PINE LAKE DR, STUART, FL 34994-9434

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	22990 SHARP LN, SUMMERLAND KEY, FL 33042-4314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030171601
Date	Apr 9, 2020
Book Page	3017/1601
Instrument	2262826

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 1, 2019
Property Address	22990 SHARP LN, SUMMERLAND KEY, FL 33042-4314
Document Number	0029772042
Book / Page	2977 / 2042
Map Reference	MB 5 PG 60
Instrument Date	Jul 25, 2019
Instrument	2230929
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17050 SW 59TH ST, 17050, SOUTHWEST RANCHES, FL 33331-1201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 NW PINE LAKE DR, STUART, FL 34994-9434

Mortgage

Document Number	0029772045
Date	Aug 1, 2019
Instrument	2977-2045

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	11.6%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 3, 2017
Property Address	22990 SHARP LN, SUMMERLAND KEY, FL 33042-4314
Document Number	0028621573
Book / Page	002862 / 001573
Instrument Date	Jun 30, 2017
Instrument	2129690
Transaction Type	Transfer
Record Updated	Sep 26, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	17050 SW 59TH ST SOUTHWEST RANCHES FL 333311201, SOUTHWEST RANCHES, FL 33331-1201

Mortgage

Document Number	28621575
Date	Jul 3, 2017
Book Page	002862/001575
Instrument	2129691

Lender

Name	DAVID K MCNULTY
Address	PO BOX 8, WINTER PARK, FL 32790-0008
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 2, 2022

Interest

Rate Type	Fixed Rate
Rate	3.9%

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	$4,249.00 (-22.98%) Homeowner's exemption	$466,921 (-31.81%)	$807,002 (+17.86%) Land $523,800 Building $283,202
2024	$5,517.00 (+9.38%)
2023	$5,044.00 (+9.72%)	$684,741 (+12.54%) Land $424,800 Building $259,941	$684,741 (+12.54%) Land $424,800 Building $259,941
2022	$4,597.00	$608,445 Land $345,600 Building $262,845	$608,445 Land $345,600 Building $262,845

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

Flood

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	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

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 324 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sharp Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures