295 14th St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 295 14th St, Key Colony Beach, FL 33051

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,853 sqft · built 2000
Lot Size	0.227 acres (9,900 sqft)
Owner	Individual Name on Record
Last Sale	$2,300,000 (Apr 2012)
Tax Bill	$28,405 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00079872-008300`

Property Details

APN / Parcel Number

Primary APN	`00079872-008300`
Alternative APNs	`05663300079872008300` `8734085`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,853 sqft Living Area
1st Floor Area	3,853 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Foundation Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	110 ft deep x 91 ft wide
Garage Area	572 sqft

Exterior Amenities

Pool Area	420 sqft
Porch	Open Porch
Porch Area	1,081 sqft
Patio Area	56 sqft
Fence	Fence
Water Feature	Water Feature
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	8734085
Old Parcel Number	05663300079872008300
Street Address	295 14TH ST
City	KEY COLONY BEACH
State	FL
Zip	33051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2 LT 48 COURY SUBD NO 2 PB7-48 OR1520-1070 OR1866-1181 OR2399-538/39 OR2464-2345/46C/T OR2566-2213/14
Legal Range	33E
Legal Township	66S
Legal Section	05
Legal Subdivision	COURY SUBD #2
Legal Block	2
Legal Lot Number	48
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	1
Census Block	1006
Census Tract	971001

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	7792 GLENHAVEN CT, MCLEAN, VA 22102-2023
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 6, 2018	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2012 · Amount on Record
Deed Sale	Apr 26, 2012 · Amount on Record
Prior Sale	May 10, 2010
Deed Document Number	1880203
Deed Book / Page	2566 / 2213
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	295 14TH ST, KEY COLONY BEACH, FL 33051
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031320245
Date	Oct 15, 2021
Book Page	3132/245
Instrument	2344394

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.27%
Type Change Date	Nov 1, 2028
Change Frequency	Quarterly
Min Rate At Change	3%
Max Rate At Change	7.27%
Index	Other
Margin	3
Max Rate	7.27%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	295 14TH ST, KEY COLONY BEACH, FL 33051
Document Number	0029360842
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 3, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7792 GLENHAVEN CT MC LEAN VA 221022023, MC LEAN, VA 22102-2023

Mortgage

Document Number	0029360842
Date	Nov 15, 2018
Book Page	002936/000842
Instrument	2194602

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.07%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$3,247,801 (+11.16%) Land $2,229,728 Building $1,018,073	$3,247,801 (+11.16%) Land $2,229,728 Building $1,018,073
2024	$28,405.00 (+3.38%)
2023	$27,476.00 (+10.19%)	$2,921,657 (+8.52%) Land $1,917,661 Building $1,003,996	$2,921,657 (+8.52%) Land $1,917,661 Building $1,003,996
2022	$24,936.00	$2,692,353 Land $1,667,531 Building $1,024,822	$2,692,353 Land $1,667,531 Building $1,024,822

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	8.0 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	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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