1. Home
  2. Florida
  3. Monroe County
  4. Key Colony Beach
  5. 3rd St

281 3rd St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 281 3rd St, Key Colony Beach, FL 33051

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,712 sqft · built 1971
Lot Size0.157 acres (6,822 sqft)
Owner2 Individual Names on File
Last Sale$530,000 (Dec 2017)
Tax Bill$628 (2024)
Deeds & MortgagesDec 2017 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00072760-000000

Property Details

APN / Parcel Number

Primary APN00072760-000000
Alternative APNs
  • 04663300072760000000
  • 1076813

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,712 sqft Living Area
1st Floor Area1,514 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 2001
Exterior MaterialAluminum/Vinyl
Construction TypeMasonry / Concrete Block
Roof TypeFlat
Roof MaterialConcrete
Lot Area6,822 sqft (0.157 acres)
Garage TypeCovered
Garage Area652 sqft

Exterior Amenities

PorchFlorida Room
Porch Area418 sqft
Deck Area609 sqft
Patio Area663 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1076813
Street Address281 3RD ST
CityKEY COLONY BEACH
StateFL
Zip33051
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeINC
Legal DescriptionBK 3 LT 10 KEY COLONY BEACH PB3-120 SHELTER KEY OR467-679 OR623-632 OR756-196 OR871-2464 OR872-399 OR872-400 OR995-696 OR1673-1073/74 OR1673-1078/81 OR1790-2345/46 OR1790-2347 OR1794-1614/15 OR1794-1616 OR2261-674/75 OR2882-1333/34
Legal Range33E
Legal Township66S
Legal Section04
Legal SubdivisionKEY COLONY BEACH
Legal Block3
Legal Lot Number10
JurisdictionMONROE FL
Township / Civil DivisionMIDDLE KEYS
Census Block Group2
Census Block2039
Census Tract971001

Owner

281 3rd St is owned by two individuals who bought it in December 2017.

Source: Monroe County records, as of December 8, 2025

Owner of Record2 Individual Names on File
Mailing Address250 51ST STREET OCEAN, MARATHON, FL 33050-2613
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 11, 2017 · Amount on File
Deed SaleDec 11, 2017 · Amount on File
Prior SaleDec 1, 1985 · Amount on File
Deed Document Number20172146865
Deed Book / Page2882 / 1333
Prior Transfer DateDec 18, 2006
Prior Transfer Doc0022610674
Record UpdatedJun 8, 2026

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateDec 11, 2017
Property Address281 3RD ST, KEY COLONY BEACH, FL 33051
Document Number0028821333
Book / Page2882 / 1333
Map ReferenceMB3 PG120
Instrument DateNov 30, 2017
Instrument2146865
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyBANKERS TITLE & ESCROW SVCS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,710.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address281 3RD ST, KEY COLONY BEACH, FL 33051
InvestorPossibly a Property Investor

Mortgage

Document Number0002146866
DateDec 11, 2017
Instrument2146866
Lender
Name1ST FINANCIAL INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueDec 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey Colony Beach City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$502,446$1,242,291 Land $939,389 Building $302,902
2024$628.00 (+20.31%)
2023$522.00 (+2.15%) Homeowner's exemption$474,065 (+6.08%)$1,189,110 (+44.96%) Land $864,006 Building $325,104
2022$511.00 Homeowner's exemption$446,912$820,305 Land $556,675 Building $263,630

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

Flood

FEMA maps place 281 3rd St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File
median of 405 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies612 units insured
incl. 207 condo units
Nearby Flood Claims582 (1983–2018)
Most Recent ClaimAug 2018 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Oct 2017 · 305 claims
  • Hurricane Wilma, Oct 2005 · 69 claims
  • Hurricane Georges, Sep 1998 · 127 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

The area around 281 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 276 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, Hotwire Communications, Verizon.

Nearby Properties on 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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