360 10th St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 360 10th St, Key Colony Beach, FL 33051

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,416 sqft · built 1990
Lot Size	0.105 acres (4,570 sqft)
Owner	Individual Name on File
Last Sale	$1,395,000 (Sep 2022)
Tax Bill	$10,139 (2024)
Deeds & Mortgages	Nov 2025 Second Mortgage Oct 2025 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`00076040-000100`

Property Details

APN / Parcel Number

Primary APN	`00076040-000100`
Alternative APNs	`05663300076040000100` `1081701`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,416 sqft Living Area
1st Floor Area	1,944 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Metal
Lot Area	4,570 sqft (0.105 acres)
Lot Width	3 ft Width
Garage Type	Covered
Garage Area	384 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	2,575 sqft
Deck Area	304 sqft
Patio Area	234 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1081701
Street Address	360 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 10 SLY PT LT 59 (UPSTAIRS UNIT) KEY COLONY BEACH FIRST ADDN AMD PLAT PB4-11 SHELTER KEY OR455-603 OR769-992 OR770-181 OR844-1302 OR895-510 OR1060-1095 OR1110-1789 OR1214-1371 OR1439-2452 OR1514-1216 OR1554-885 OR2031-2037 OR2446-1498 OR2648-1741 O
Legal Range	33E
Legal Township	66S
Legal Section	05
Legal Subdivision	KEY COLONY BEACH 1ST ADD
Legal Block	10
Legal Lot Number	59
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	1
Census Block	1012
Census Tract	971001

Owner

360 10th St is owned by an individual who acquired it in July 2023.

Source: Monroe County records, as of March 6, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 510715, KEY COLONY BEACH, FL 33051-0715
Owner Type	Individual

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

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Oct 17, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 18, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 26, 2022	Warranty Deed, Transfer · Conventional Mortgage EQUITY RESOURCES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2022 · Amount on File
Deed Sale	Sep 26, 2022 · Amount on File
Prior Sale	Sep 9, 2013 · Amount on File
Deed Document Number	20222392664
Deed Book / Page	3195 / 1461
Last Transfer Date	Jul 18, 2023
Transfer Doc	0032341770
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	360 10TH ST, KEY COLONY BEACH, FL 33051
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	360 10TH ST, KEY COLONY BEACH, FL 33051

Mortgage

Document Number	0033522052
Date	Nov 7, 2025
Book Page	3352/2052
Instrument	2521519

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Oct 17, 2025
Property Address	360 10TH ST, KEY COLONY BEACH, FL 33051
Document Number	0033491844
Book / Page	3349 / 1844
Map Reference	MB 4 PG 11
Instrument Date	Oct 16, 2025
Instrument	2519030
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 510715, KEY COLONY BEACH, FL 33051-0715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 510715, KEY COLONY BEACH, FL 33051-0715

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jul 18, 2023
Property Address	360 10TH ST, KEY COLONY BEACH, FL 33051
Document Number	0032341770
Book / Page	3234 / 1770
Map Reference	MB 4 PG 11
Instrument Date	Jul 18, 2023
Instrument	2425386
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 510714, KEY COLONY BEACH, FL 33051-0714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	P0 BOX 510714 # BOX, BOX, KEY COLONY BEACH, FL 33051

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 26, 2022
Property Address	360 10TH ST, KEY COLONY BEACH, FL 33051
Document Number	0031951461
Book / Page	3195 / 1461
Map Reference	MB 4 PG 11
Instrument Date	Sep 26, 2022
Instrument	2392664
Transaction Type	Transfer
Record Updated	Oct 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 510164, KEY COLONY BEACH, FL 33051-0164

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18500 CAPE JASMINE WAY, GAITHERSBURG, MD 20879-4646

Mortgage

Document Number	0031951466
Date	Sep 26, 2022
Instrument	3195/1466

Lender

Name	EQUITY RESOURCES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

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		$1,075,850	$1,112,326 Land $643,456 Building $468,870
2024	$10,139.00 (-8.86%)
2023	$11,125.00 (+100.13%) Homeowner's exemption	$1,144,522 (+100.35%) Land $534,873 Building $609,649	$1,144,522 (+40.62%) Land $534,873 Building $609,649
2022	$5,559.00 Homeowner's exemption	$571,274	$813,892 Land $495,599 Building $318,293

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 360 10th 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

The area around 360 10th 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 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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