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425 E Ocean Dr, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 425 E Ocean Dr, Key Colony Beach, FL 33051

Property Summary

Property TypeNightclub or Cocktail Lounge
Details5,546 sqft · built 1957
Lot Size0.599 acres (26,100 sqft)
OwnerCompany Name on Record
Last Sale$4,200,000 (May 2022)
Tax Bill$28,370 (2024)
Deeds & MortgagesMay 2022 Sale & Mortgage
Nov 2017 Line of Credit
Flood ZoneZone VE (high risk)
APN00073970-000000

Property Details

APN / Parcel Number

Primary APN00073970-000000
Alternative APNs
  • 04663300073970000000
  • 1078875

Interior

Units3 Units
Stories2 Stories
Building Area5,546 sqft Gross Area
1st Floor Area5,546 sqft
FlooringVinyl/Resilient

Exterior

Year BuiltBuilt 1957
Effective Year BuiltEffective 2008
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Fire ResistanceMasonry Walls, Wood Interior
Roof TypeFlat
Roof MaterialOther
Lot Area26,100 sqft (0.599 acres)
View / LotWaterfront

Exterior Amenities

Pool Area1,950 sqft
PorchUnfinished Open Porch
Porch Area2,693 sqft
Patio Area216 sqft
Canopy372 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemForced Air with A/C

Location & Zoning

Account Number1078875
Street Address425 E OCEAN DR
CityKEY COLONY BEACH
StateFL
Zip33051
Property CategoryCommercial
Property TypeCommercial > Retail > Nightclub or Cocktail Lounge
Local Zoning CodeINC
Legal DescriptionBK 6 PT LT 12 AND PT LT 13 AND 13A AND ADJ BAY BTM KEY COLONY BEACH PB3-120 SHELTER KEY OR136-49(II DEED 21917) OR515-802 OR797-369 OR796-1754/55 OR1403-951/52 OR1854-2256/59 OR2143-2306/08 OR2178-1775 OR2261-908/11 OR2261-912/13 OR2712-2460/62 OR277
Legal Range33E
Legal Township66S
Legal Section04
Legal SubdivisionKEY COLONY BEACH
Legal Block6
Legal Lot Number12,13
JurisdictionMONROE FL
Township / Civil DivisionMIDDLE KEYS
Census Block Group1
Census Block1006
Census Tract971001

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 RecordCompany Name on Record
Mailing Address5628 SHADDELEE LN W, FORT MYERS, FL 33919-2532
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
May 19, 2022Warranty Deed, Transfer · Seller Carry-Back
APRIL TRACY
Nov 29, 2017Deed of Trust, Mortgage · Line of Credit
FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 19, 2022 · Amount on Record
Deed SaleMay 19, 2022 · Amount on Record
Prior SaleSep 1, 1979 · Amount on Record
Deed Document Number20222376390
Deed Book / Page3174 / 2067
Prior Transfer DateJun 21, 2016
Prior Transfer Doc0028030871
Record UpdatedJun 8, 2026

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 19, 2022
Property Address425 E OCEAN DR, KEY COLONY BEACH, FL 33051
Document Number0031742067
Book / Page3174 / 2067
Map ReferenceMB 3 PG 120
Instrument DateMay 5, 2022
Instrument2376390
Transaction TypeTransfer
Record UpdatedJan 23, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$29,400.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 510144, KEY COLONY BEACH, FL 33051-0144

Transferred To (Grantee/Buyer)

NameVerified Name
Address489 MADISON CT, FORT MYERS BEACH, FL 33931-3644

Mortgage

Document Number0031742070
DateMay 19, 2022
Instrument3174/2070
Lender
NameAPRIL TRACY
TypeSeller
Agreement
TypeSeller Carry-Back
AmountAmount Recorded
Term60 Months
DueMay 6, 2027

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address425 E OCEAN DR, KEY COLONY BEACH, FL 33051
Document Number0028841910
Book / Page002884 / 001910
Instrument DateNov 29, 2017
Transaction TypeMortgage
Record UpdatedJan 9, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address425 E OCEAN DR KEY COLONY BEACH FL 33051, KEY COLONY BEACH, FL 33051

Mortgage

Document Number0028841910
DateDec 27, 2017
Book Page002884/001910
Instrument2148779
Lender
NameFIRST ST BK/FL KEYS
TypeBank
Address1201 SIMONTON ST, KEY WEST, FL 33040-3111
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueDec 26, 2027
Interest
Rate TypeAdjustable Rate

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$3,339,749 (+29.32%) Land $1,977,604 Building $1,362,145$3,339,749 (+29.32%) Land $1,977,604 Building $1,362,145
2024$28,370.00 (+12.99%)
2023$25,108.00 (+41.4%)$2,582,601 (+40.85%) Land $1,644,319 Building $938,282$2,582,601 (+40.85%) Land $1,644,319 Building $938,282
2022$17,757.00$1,833,563 Land $1,174,519 Building $659,044$1,833,563 Land $1,174,519 Building $659,044

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation13.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 558 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies967 units insured
incl. 409 condo units
Nearby Flood Claims861 (1979–2026)
Claims Outside the SFHA1 of 861
Most Recent ClaimFeb 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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