Monroe County property record for 230 Yardarm Rd, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,158 sqft · built 1986 |
| Lot Size | 0.137 acres (6,001 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Nov 2013) |
| Tax Bill | $5,402 (2024) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00177900-000000 |
| Primary APN | 00177900-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,158 sqft Living Area |
| 1st Floor Area | 1,158 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,001 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Area | 364 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,652 sqft |
| Patio Area | 470 sqft |
| Water Feature | Water Feature |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1229920 |
|---|---|
| Old Parcel Number | 28662800177900000000 |
| Street Address | 230 YARDARM RD |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 5 LT 40 CUTTHROAT HARBOR ESTATES PB4-165 CUDJOE KEY OR280-168 OR900-1070 OR1074-2206 OR1096-534 OR1213-1912 OR1289-1378/79 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 28 |
| Legal Subdivision | CUTTHROAT HARBOR ESTATES |
| Legal Block | 5 |
| Legal Lot Number | 40 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 971501 |
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 230 YARDARM RD, SUMMERLAND KEY, FL 33042-4711 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 11, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Jul 31, 2018 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY/HSNG & URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2013 · Amount on Record |
| Deed Sale | Nov 25, 2013 · Amount on Record |
| Prior Sale | Nov 25, 2013 · Amount on Record |
| Deed Document Number | 0026600469 |
| Deed Book / Page | 2660 / 0469 |
| Last Transfer Date | Mar 24, 2016 |
| Transfer Doc | 0027880650 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 230 YARDARM RD, SUMMERLAND KEY, FL 33042-4711 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 230 YARDARM RD, CUDJOE KEY, FL 33042-4711 |
| Investor | Possibly a Property Investor |
| Document Number | 0031042191 |
|---|---|
| Date | Jun 11, 2021 |
| Book Page | 3104/2191 |
| Instrument | 2324833 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Apr 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 230 YARDARM RD, SUMMERLAND KEY, FL 33042-4711 |
| Document Number | 0029260579 |
| Instrument Date | Jul 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 230 YARDARM RD CUDJOE KEY FL 330424711, CUDJOE KEY, FL 33042-4711 |
| Document Number | 0029260579 |
|---|---|
| Date | Sep 10, 2018 |
| Book Page | 002926/000579 |
| Instrument | 2185901 |
| Name | SECRETARY/HSNG & URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Sep 9, 2046 |
Source: Monroe County assessment roll, as of July 1, 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 | $618,100 (+9.73%) Land $363,075 Building $255,025 | $618,100 (+9.73%) Land $363,075 Building $255,025 | |
| 2024 | $5,402.00 (+9.22%) | ||
| 2023 | $4,946.00 (+11.88%) | $563,268 (+21.99%) Land $332,175 Building $231,093 | $563,268 (+21.99%) Land $332,175 Building $231,093 |
| 2022 | $4,421.00 | $461,728 Land $225,570 Building $236,158 | $461,728 Land $225,570 Building $236,158 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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 | 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.
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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