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2425 Middle Torch Rd, Summerland Key, FL 33042 Property Records

Monroe County property record for 2425 Middle Torch Rd, Summerland Key, FL 33042

Property Summary

Property TypeMobile Home
Details2 bd · 1 ba · 672 sqft · built 1974
Lot Size2.53 acres (110,408 sqft)
OwnerIndividual Name on Record
Tax Bill$1,191 (2024)
Deeds & MortgagesSep 2023 Mortgage
Sep 2019 Loan Modification
Flood ZoneZone AE (high risk)
APN00112990-000300

Property Details

APN / Parcel Number

Primary APN00112990-000300
Alternative APNs
  • 20662900112990000300
  • 1142506

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area672 sqft Living Area
1st Floor Area672 sqft
FlooringWood
Interior WallsMasonry

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1996
Exterior MaterialMetal
Construction TypeWood
Foundation TypeBlock
Roof TypeFlat
Roof MaterialMetal
Lot Area110,408 sqft (2.53 acres)

Exterior Amenities

PorchPorch
Porch Area396 sqft
Deck Area45 sqft
Patio Area45 sqft

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Account Number1142506
Old Parcel Number20662900112990000300
Street Address2425 MIDDLE TORCH RD
CitySUMMERLAND KEY
StateFL
Zip33042-5802
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Legal Description20 66 29 MIDDLE TORCH KEY PT LOT 3 OR569-241 OR666-122E OR716-386 OR784-1180 OR908-807 OR921-838/841AG OR1131-1419 OR1355-30
Legal Range29E
Legal Township66S
Legal Section20
Legal SubdivisionMIDDLE TORCH KEY
Legal Lot Number3
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1014
Census Tract971502

Owner

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 RecordIndividual Name on Record
Mailing Address2425 MIDDLE TORCH RD, SUMMERLAND KEY, FL 33042-5802
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 15, 2023Deed of Trust, Mortgage
COUNTY OF MONROE
Sep 16, 2019Loan Modification, Mortgage · Conventional Mortgage
WELLS FARGO BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 1, 2021
Deed SaleMay 1, 2021
Prior SaleApr 15, 1997 · Amount on Record
Deed Document Number0016971259
Deed Book / Page01697 / 01259
Prior Transfer DateMay 22, 2001
Prior Transfer Doc0169701259
Record UpdatedJun 8, 2026

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address2425 MIDDLE TORCH RD, SUMMERLAND KEY, FL 33042-5802
Transaction TypeMortgage
Record UpdatedOct 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0032421487
DateSep 15, 2023
Book Page3242/1487
Instrument2431915
Lender
NameCOUNTY OF MONROE
TypeGovernment Agency
AddressKEY WEST, FL 33040
Agreement
AmountAmount Recorded

September 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address2425 MIDDLE TORCH RD, SUMMERLAND KEY, FL 33042-5802
Document Number0029900804
Instrument DateSep 16, 2019
Transaction TypeMortgage
Record UpdatedNov 25, 2019
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
Address2425 MIDDLE TORCH RD MIDDLE TORCH KEY FL 330425802, MIDDLE TORCH KEY, FL 33042-5802

Mortgage

Document Number0029900804
DateOct 21, 2019
Book Page002990/000804
Instrument2241152
Lender
NameWELLS FARGO BK
TypeBank
AddressDES MOINES, IA 50328
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueOct 20, 2034
Interest
Rate2%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$80,102 (+5.99%)$341,341 (+114.19%) Land $299,324 Building $42,017
2024$1,191.00 (+9.97%)
2023$1,083.00 (+1.79%) Homeowner's exemption$75,578 (+3%)$159,363 (+0.52%) Land $119,759 Building $39,604
2022$1,064.00 Homeowner's exemption$73,377$158,534 Land $119,759 Building $38,775

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 454 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies454 in force
Nearby Flood Claims828 (1998–2022)
Claims Outside the SFHA2 of 828
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 317 claims
  • Hurricane Wilma, Oct 2005 · 192 claims
  • Hurricane Georges, Sep 1998 · 295 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 RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000

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