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381 3rd St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 381 3rd St, Key Colony Beach, FL 33051

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,372 sqft · built 1959
Lot Size0.154 acres (6,738 sqft)
OwnerIndividual Name on Record
Last Sale$775,000 (Aug 2017)
Tax Bill$10,274 (2024)
Deeds & MortgagesSep 2023 Transfer
Feb 2018 Transfer
+ 1 more
Flood ZoneZone AE (high risk)
APN00072810-000000

Property Details

APN / Parcel Number

Primary APN00072810-000000
Alternative APNs
  • 04663300072810000000
  • 1076864

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,372 sqft Living Area
1st Floor Area1,372 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 2009
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialOther
Lot Area6,738 sqft (0.154 acres)

Exterior Amenities

PorchOpen Porch
Porch Area602 sqft
Deck Area1,910 sqft
Patio Area195 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1076864
Old Parcel Number04663300072810000000
Street Address381 3RD ST
CityKEY COLONY BEACH
StateFL
Zip33051
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 3 LT 15 KEY COLONY BEACH PB3-120 SHELTER KEY OR145-190 OR212-440 OR813-1123 OR1813-1983 OR1813-1984 OR2721-930 OR2867-92
Legal Range33E
Legal Township66S
Legal Section04
Legal SubdivisionKEY COLONY BEACH
Legal Block3
Legal Lot Number15
JurisdictionMONROE FL
Township / Civil DivisionMIDDLE KEYS
Census Block Group2
Census Block2039
Census Tract971001

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 RecordIndividual Name on Record
Mailing Address113 ANTIGUA DR, COCOA BEACH, FL 32931-3201
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 21, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Feb 15, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Aug 1, 2017Warranty Deed, Transfer · ARM
CAPITAL BANK CORPORATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 1, 2017 · Amount on Record
Deed SaleAug 1, 2017 · Amount on Record
Prior SaleFeb 15, 2018
Deed Document Number0028670092
Deed Book / Page2867 / 0092
Last Transfer DateSep 21, 2023
Transfer Doc0032430996
Record UpdatedJun 8, 2026

September 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateSep 21, 2023
Property Address381 3RD ST, KEY COLONY BEACH, FL 33051
Document Number0032430996
Book / Page3243 / 996
Map ReferenceMB 3 PG 120
Instrument DateSep 20, 2023
Instrument2432726
Transaction TypeTransfer
Record UpdatedOct 10, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address113 ANTIGUA DR, COCOA BEACH, FL 32931-3201

Transferred To (Grantee/Buyer)

NameVerified Name
Address1361 BEDFORD DR STE 102, 102, MELBOURNE, FL 32940-1984
InvestorPossibly a Property Investor

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateFeb 15, 2018
Property Address381 3RD ST, KEY COLONY BEACH, FL 33051
Document Number0028920542
Book / Page002892 / 000542
Instrument DateFeb 1, 2018
Instrument2155621
Transaction TypeTransfer
Record UpdatedFeb 23, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address200 S BANANA RIVER BLVD #2318 COCOA BEACH FL 329313381, 2318, COCOA BEACH, FL 32931-3381

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateAug 1, 2017
Property Address381 3RD ST, KEY COLONY BEACH, FL 33051
Document Number0028670092
Book / Page2867 / 0092
Map ReferenceMB3 PG120
Instrument DateJul 20, 2017
Instrument2133511
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,425.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2287 NW 36TH ST, 2287, MIAMI, FL 33142-5357

Transferred To (Grantee/Buyer)

NameVerified Name
Address420 HARDING AVE APT 801, 801, COCOA BEACH, FL 32931-5613
InvestorPossibly a Property Investor

Mortgage

Document Number0002133513
DateAug 1, 2017
Instrument2133513
Lender
NameCAPITAL BANK CORPORATION
TypeBank
Agreement
TypeARM
AmountAmount Recorded
Term360 Months
DueAug 1, 2047
Interest
Rate TypeAdjustable Rate
Rate4%
Type Change DateAug 1, 2027
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change9%
Index1-Year LIBOR
Max Rate9%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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$1,094,847 (-14.74%) Land $656,955 Building $437,892$1,094,847 (-14.74%) Land $656,955 Building $437,892
2024$10,274.00 (+4.37%)
2023$9,844.00 (+17.88%)$1,284,120 (+33.19%) Land $863,407 Building $420,713$1,284,120 (+33.19%) Land $863,407 Building $420,713
2022$8,351.00$964,115 Land $556,289 Building $407,826$964,115 Land $556,289 Building $407,826

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation6.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
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

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 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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