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245 Cuba Rd, Tavernier, FL 33070 Property Records

Monroe County property record for 245 Cuba Rd, Tavernier, FL 33070

Property Summary

Property TypeResidential Vacant Land
Lot Size0.117 acres (5,100 sqft)
Owner2 Individual Names on Record
Last Sale$225,000 (Mar 2026)
Tax Bill$893 (2025)
Deeds & MortgagesMar 2026 Sale
Aug 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00450740-000000

Property Details

APN / Parcel Number

Primary APN00450740-000000
Alternative APNs
  • 26623800450740000000
  • 1550370

Exterior

Effective Year BuiltEffective 2011
Lot Area5,100 sqft (0.117 acres)
Lot Dimensions102 ft deep x 50 ft wide

Location & Zoning

Account Number1550370
Street Address245 CUBA RD
CityTAVERNIER
StateFL
Zip33070
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodeURM
Legal DescriptionBK 11 LT 12 HARRIS OCEAN PK ESTATES FIRST ADDN KEY LARGO PB4-139 OR644-626 OR1881-2076 OR2467-125/26 OR3040-1924
Legal Range38E
Legal Township62S
Legal Section26
Legal SubdivisionHARRIS OCEAN PARK ESTATES 1ST ADD
Legal Block11
Legal Lot Number12
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2001
Census Tract970700

Owner

Source: Monroe County records, as of July 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address24601 SW 159TH AVE, HOMESTEAD, FL 33031-1368
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Mar 23, 2026Warranty Deed, Transfer
TERRA TITLE CORPORATION
Aug 31, 2020Warranty Deed, Construction Loan · Conventional Mortgage
JAMES & ELENA HOWITT

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 23, 2026 · Amount on Record
Deed SaleMar 23, 2026 · Amount on Record
Prior SaleMay 24, 2010 · Amount on Record
Deed Document Number20262536556
Deed Book / Page3372 / 368
Record UpdatedSep 20, 2026

March 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMar 23, 2026
Property Address245 CUBA RD, TAVERNIER, FL 33070
Document Number0033720368
Book / Page3372 / 368
Map ReferenceMB 4 PG 139
Instrument DateMar 20, 2026
Instrument2536556
Transaction TypeTransfer
Record UpdatedApr 22, 2026
Title CompanyTERRA TITLE CORPORATION

Transaction

AmountAmount Recorded
Tax$1,575.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address18822 SW 55TH ST, MIRAMAR, FL 33029-6291

Transferred To (Grantee/Buyer)

NameVerified Name
Address24601 SW 159TH AVE, HOMESTEAD, FL 33031-1368
InvestorPossibly a Property Investor

August 2020: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateAug 31, 2020
Property AddressTAVERNIER, FL 33070
Document Number0030401924
Book / Page003040 / 001924
Instrument DateAug 28, 2020
Instrument2279400
Transaction TypeConstruction Loan
Record UpdatedOct 1, 2020
Title CompanyTERRA TITLE COMPANY, TERRA TITLE CO.

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$770.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address18822 SW 55TH ST MIRAMAR FL 330296291, MIRAMAR, FL 33029-6291

Mortgage

Document Number30401926
DateAug 31, 2020
Book Page003040/001926
Instrument2279401
Lender
NameJAMES & ELENA HOWITT
Address1000 N HIATUS RD # 103, PEMBROKE PINES, FL 33026-3012
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term24 Months
DueAug 30, 2022

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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$893.00 (+2.41%)$103,421 (-22.93%) Land $102,000 Building $1,421$103,421 (-22.93%) Land $102,000 Building $1,421
2024$872.00 (-5.63%)
2023$924.00 (+24.03%)$134,198 (+51.83%) Land $132,600 Building $1,598$134,198 (+51.83%) Land $132,600 Building $1,598
2022$745.00$88,387 Land $86,700 Building $1,687$88,387 Land $86,700 Building $1,687

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 375 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies615 units insured
incl. 240 condo units
Nearby Flood Claims168 (1987–2025)
Most Recent ClaimAug 2025
Claims by Event
  • Hurricane Irma, Sep 2017 · 104 claims
  • Hurricane Irene, Oct 1999 · 15 claims
  • Hurricane Georges, Sep 1998 · 21 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.08% 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 64 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

May also be available: Hotwire Communications.

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