4 7th St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 4 7th St, Key Colony Beach, FL 33051

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 870 sqft · built 1959
Lot Size	0.056 acres (2,447 sqft)
Owner	2 Individual Names on Record
Last Sale	$729,000 (Nov 2025)
Tax Bill	$7,006 (2024)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Sep 2022 Transfer + 4 more
Flood Zone	Zone AE (high risk)
APN	`00077770-000100`

Property Details

APN / Parcel Number

Primary APN	`00077770-000100`
Alternative APN	`8990290`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	870 sqft Living Area
1st Floor Area	870 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	2,447 sqft (0.056 acres)
Lot Dimensions	110 ft deep x 20 ft wide
View / Lot	Canal
Patio Area	228 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	8990290
Street Address	4 7TH ST
City	KEY COLONY BEACH
State	FL
Zip	33051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	INC
Legal Description	NLY 1/2 LT 3 & ADJ FILL AND SUB KEY COLONY BEACH YACHT CLUB PB4-68 SHELTER KEY OR152-189 OR184-519 OR415-201 OR432-355 OR520-846 OR775-1200 OR1565-1867 OR1714-1813/14 OR1714-1819/20 OR1942-505 OR2518-114/17 OR3014-1412 OR3016-315 OR3016/317 OR3192-18
Legal Range	33E
Legal Township	66S
Legal Section	05
Legal Subdivision	KEY COLONY BEACH YACHT
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	1
Census Block	1012
Census Tract	971001

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	406 STONE ST, GARDNER, MA 01440-1150
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 6, 2022	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 6, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 30, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM
Mar 19, 2020	Correction Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2025 · Amount on Record
Deed Sale	Nov 3, 2025 · Amount on Record
Prior Sale	Sep 6, 2022 · Amount on Record
Deed Document Number	20252520718
Deed Book / Page	3351 / 2024
Prior Transfer Date	Sep 1, 2022
Prior Transfer Doc	0031921837
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 3, 2025
Property Address	4 7TH ST, KEY COLONY BEACH, FL 33051
Document Number	0033512024
Book / Page	3351 / 2024
Map Reference	MB 4 PG 68
Instrument Date	Oct 27, 2025
Instrument	2520718
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,103.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 510525, KEY COLONY BEACH, FL 33051-0525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 STONE ST, GARDNER, MA 01440-1150

Mortgage

Document Number	0033512026
Date	Nov 3, 2025
Instrument	3351/2026

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Sep 6, 2022
Property Address	4 7TH ST, KEY COLONY BEACH, FL 33051
Document Number	0031921837
Book / Page	3192 / 1837
Map Reference	MB 7 PG 68
Instrument Date	Sep 1, 2022
Instrument	2390242
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2160 STONE LAKE DR, MERRITT ISLAND, FL 32953-7529

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 510525, KEY COLONY BEACH, FL 33051-0525

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 6, 2022
Property Address	4 7TH ST, KEY COLONY BEACH, FL 33051
Document Number	0031921835
Book / Page	3192 / 1835
Map Reference	MB 4 PG 68
Instrument Date	Sep 1, 2022
Instrument	2390241
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2160 STONE LAKE DR, MERRITT ISLAND, FL 32953-7529

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 510525, KEY COLONY BEACH, FL 33051-0525

Mortgage

Document Number	0031921839
Date	Sep 6, 2022
Instrument	3192/1839

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Mar 30, 2020
Property Address	4 7TH ST, KEY COLONY BEACH, FL 33051
Document Number	0030160317
Book / Page	003016 / 000317
Instrument Date	Mar 20, 2020
Instrument	2261837
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2160 STONE LAKE DR MERRITT ISLAND FL 329537529, MERRITT ISLAND, FL 32953-7529

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 30, 2020
Property Address	4 7TH ST, KEY COLONY BEACH, FL 33051
Document Number	0030160315
Book / Page	003016 / 000315
Instrument Date	Mar 20, 2020
Instrument	2261836
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2160 STONE LAKE DR MERRITT ISLAND FL 329537529, MERRITT ISLAND, FL 32953-7529

Mortgage

Document Number	30160320
Date	Mar 30, 2020
Book Page	003016/000320
Instrument	2261838

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

March 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Mar 19, 2020
Property Address	4 7TH ST, KEY COLONY BEACH, FL 33051
Document Number	0030141412
Book / Page	003014 / 001412
Instrument Date	Jan 29, 2020
Instrument	2260681
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	160 CLIFF ROAD BRICK BRICK NJ 08724, BRICK, NJ 08724

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		$656,792 (-2.36%) Land $433,138 Building $223,654	$656,792 (-2.36%) Land $433,138 Building $223,654
2024	$7,006.00 (+10.87%)	$672,674 (+11.64%) Land $452,714 Building $219,960	$672,674 (+11.64%) Land $452,714 Building $219,960
2023	$6,319.00 (+34.22%)	$602,545 (+19.69%) Land $404,998 Building $197,547	$602,545 (+19.69%) Land $404,998 Building $197,547
2022	$4,708.00	$503,420 Land $310,788 Building $192,632	$503,420 Land $310,788 Building $192,632

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	6.0 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 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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