261 10th St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 261 10th St, Key Colony Beach, FL 33051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,599 sqft · built 2002
Lot Size	0.095 acres (4,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (May 2026)
Tax Bill	$9,402 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00076240-000100`

Property Details

APN / Parcel Number

Primary APN	`00076240-000100`
Alternative APN	`9040032`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,599 sqft Living Area
Gross Area	1,885 sqft
1st Floor Area	1,599 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	4,125 sqft (0.095 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	286 sqft
Patio Area	606 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	9040032
Street Address	261 10TH ST
City	KEY COLONY BEACH
State	FL
Zip	33051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	INC
Legal Description	BK 11 SLY 1/2 LOT 8 KEY COLONY BEACH 1ST AMD PLAT PB4-11 SHELTER KEY OR1815-1296 OR2453-853/54 OR2637-1271/72 OR2678-271D/C OR2902-719/20L/E OR2931-1620 OR3224-2307
Legal Range	33E
Legal Township	66S
Legal Section	05
Legal Subdivision	KEY COLONY BEACH 1ST ADD
Legal Block	11
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	1
Census Block	1011
Census Tract	971001

Owner

Source: Monroe County records, as of May 26, 2026

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	4109 S 184TH ST, OMAHA, NE 68135-1733
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage ARBOR BANK
May 11, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 15, 2018	Warranty Deed, Transfer · Conventional with PMI FIRST ST BK/ST CHARLES
Apr 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	May 11, 2023 · Amount on Record
Deed Document Number	20262543625
Deed Book / Page	3381 / 290
Prior Transfer Date	Oct 9, 2018
Prior Transfer Doc	0029311620
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	261 10TH ST, KEY COLONY BEACH, FL 33051
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 10TH ST, KEY COL BCH, FL 33051

Mortgage

Document Number	0031472139
Date	Jan 7, 2022
Book Page	3147/2139
Instrument	2356123

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 14, 2026
Property Address	261 10TH ST, KEY COLONY BEACH, FL 33051
Document Number	0002543625
Book / Page	3381 / 290
Instrument Date	May 13, 2026
Instrument	2026.2543625
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	ALL KEYS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$919,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 S 184TH ST, OMAHA, NE 68135-1733

Mortgage

Document Number	0002543626,
Date	May 14, 2026
Book Page	3381/292
Instrument	2026.2543626

Lender

Name	ARBOR BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 11, 2023
Property Address	261 10TH ST, KEY COLONY BEACH, FL 33051
Document Number	0032242307
Book / Page	3224 / 2307
Map Reference	MB 4 PG 11
Instrument Date	May 9, 2023
Instrument	2417587
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$4,223.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10006 VISTA DR, LENEXA, KS 66220-2636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 510355, KEY COL BCH, FL 33051-0355

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 15, 2018
Property Address	261 10TH ST, KEY COLONY BEACH, FL 33051
Document Number	0029311620
Book / Page	002931 / 001620
Instrument Date	Oct 9, 2018
Instrument	2190533
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10006 VISTA DR LENEXA KS 662202636, LENEXA, KS 66220-2636

Mortgage

Document Number	29311624
Date	Oct 15, 2018
Book Page	002931/001624
Instrument	2190536

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2048

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Apr 20, 2018
Property Address	261 10TH ST, KEY COLONY BEACH, FL 33051
Document Number	0029020719
Book / Page	002902 / 000719
Instrument Date	Apr 12, 2018
Instrument	2165134
Transaction Type	Transfer
Record Updated	May 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	PO BOX 510355 KEY COLONY BEACH FL 330510355, KEY COLONY BEACH, FL 33051-0355

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Key Colony Beach City
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,402.00 (+0.23%)	$950,338 (+11.12%) Land $486,750 Building $463,588	$950,338 (+11.12%) Land $486,750 Building $463,588
2024	$9,380.00 (+7.19%)
2023	$8,751.00 (+27.29%)	$855,269 (+20.6%) Land $474,375 Building $380,894	$855,269 (+20.6%) Land $474,375 Building $380,894
2022	$6,875.00 Homeowner's exemption	$709,183 Land $379,500 Building $329,683	$709,183 Land $379,500 Building $329,683

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 558 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	967 units insured incl. 409 condo units
Nearby Flood Claims	861 (1979–2026)
Claims Outside the SFHA	1 of 861
Most Recent Claim	Feb 2026 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 469 claims Hurricane Wilma, Oct 2005 · 45 claims Hurricane Georges, Sep 1998 · 250 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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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