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331 2nd St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 331 2nd St, Key Colony Beach, FL 33051

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,100 sqft · built 1997
Lot Size0.076 acres (3,300 sqft)
Owner2 Individual Names on File
Last Sale$570,000 (Apr 2025)
Tax Bill$2,177 (2024)
Deeds & MortgagesApr 2025 Sale & Mortgage
Sep 2022 Transfer
Flood ZoneZone AE (high risk)
APN00072420-000000

Property Details

APN / Parcel Number

Primary APN00072420-000000
Alternative APNs
  • 04663300072420000000
  • 1076473

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,100 sqft Living Area
1st Floor Area1,100 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 2007
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area3,300 sqft (0.076 acres)
Lot Dimensions110 ft deep x 30 ft wide
Garage TypeCovered
Garage Area870 sqft

Exterior Amenities

PorchOpen Porch
Porch Area253 sqft
Deck Area615 sqft
Patio Area615 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1076473
Street Address331 2ND ST
CityKEY COLONY BEACH
StateFL
Zip33051
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeINC
Legal DescriptionBK 2 NLY 1/2 LT 14 KEY COLONY BEACH PB3-120 SHELTER KEY OR373-932 OR771-727 OR783-524 OR810-1021 OR817-754 OR1010-1604 OR1068-822 OR1223-727 OR1487-1401 OR1773-936 OR3195-949 OR3195-2391 OR3301-2495
Legal Range33E
Legal Township66S
Legal Section04
Legal SubdivisionKEY COLONY BEACH
Legal Block2
Legal Lot Number14
JurisdictionMONROE FL
Township / Civil DivisionMIDDLE KEYS
Census Block Group2
Census Block2039
Census Tract971001

Owner

331 2nd St is owned by two individuals who bought it in April 2025.

Source: Monroe County records, as of February 2, 2026

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

Owner of Record2 Individual Names on File
Mailing AddressPO BOX 510608, KEY COLONY BEACH, FL 33051-0608
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 14, 2025Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Sep 23, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 14, 2025 · Amount on File
Deed SaleApr 14, 2025 · Amount on File
Prior SaleApr 3, 2002 · Amount on File
Deed Document Number20252496870
Deed Book / Page3321 / 114
Prior Transfer DateSep 30, 2022
Prior Transfer Doc0002392924
Record UpdatedSep 20, 2026

April 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateApr 14, 2025
Property Address331 2ND ST, KEY COLONY BEACH, FL 33051
Document Number0033210114
Book / Page3321 / 114
Map ReferenceMB 3 PG 120
Instrument DateMar 19, 2025
Instrument2496870
Transaction TypeTransfer
Record UpdatedDec 8, 2025
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,990.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 510880, KEY COLONY BEACH, FL 33051-0880

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 510608, KEY COLONY BEACH, FL 33051-0608

Mortgage

Document Number0003321116
DateApr 14, 2025
Instrument3321/116
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueApr 1, 2055

September 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateSep 23, 2022
Property Address331 2ND ST, KEY COLONY BEACH, FL 33051
Document Number0031950949
Book / Page3195 / 949
Instrument DateSep 23, 2022
Instrument2392489
Transaction TypeTransfer
Record UpdatedJan 23, 2024
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address860 85TH STREET OCEAN, MARATHON, FL 33050-5208

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address860 85TH STREET OCEAN, MARATHON, FL 33050-5208

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$234,239$476,944 Land $269,973 Building $206,971
2024$2,177.00 (+7.24%)
2023$2,030.00 (+1.55%)$221,008 (+3%)$524,983 (+46.73%) Land $273,488 Building $251,495
2022$1,999.00$214,571$357,779 Land $148,946 Building $208,833

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 331 2nd 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 331 2nd 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.

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