441 3rd St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 441 3rd St, Key Colony Beach, FL 33051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,414 sqft · built 1998
Lot Size	0.077 acres (3,348 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Mar 2017)
Tax Bill	$7,297 (2025)
Deeds & Mortgages	Mar 2017 Foreclosure
Flood Zone	Zone AE (high risk)
APN	`00072840-000100`

Property Details

APN / Parcel Number

Primary APN	`00072840-000100`
Alternative APN	`8927541`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,414 sqft Living Area
1st Floor Area	1,414 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	3,348 sqft (0.077 acres)
View / Lot	Canal

Exterior Amenities

Porch	Florida Room
Porch Area	150 sqft
Patio Area	60 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	8927541
Street Address	441 3RD 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 3 S 1/2 LOT 18 (UNIT B) KEY COLONY BEACH PB3-120 SHELTER KEY OR956-1556 OR1247-90/91 OR1439-62/63 OR1528-2322 OR1930-1128 OR1956-1761 OR2442-1033/35 OR2844-2069/70
Legal Range	33E
Legal Township	66S
Legal Section	04
Legal Subdivision	KEY COLONY BEACH
Legal Block	3
Legal Lot Number	18
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	2
Census Block	2039
Census Tract	971001

Owner

441 3rd St is owned by two individuals who bought it in March 2017.

Source: Monroe County records, as of June 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3450 SW 142ND AVE, MIAMI, FL 33175-6731
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2017 · Amount on File
Deed Sale	Mar 21, 2017 · Amount on File
Prior Sale	Dec 4, 2003 · Amount on File
Deed Document Number	20172115238
Deed Book / Page	2844 / 2069
Prior Transfer Date	Mar 10, 2017
Prior Transfer Doc	0028442069
Record Updated	Oct 29, 2026

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONROE FL
Recording Date	Mar 21, 2017
Property Address	441 3RD ST, KEY COLONY BEACH, FL 33051
Document Number	0028442069
Book / Page	2844 / 2069
Map Reference	MB3 PG120
Instrument Date	Mar 10, 2017
Instrument	2115238
Transaction Type	Foreclosure
Record Updated	Dec 21, 2021
Title Company	ALL KEYS TITLE & NORARY SERV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,920.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	721 S THRASHER WAY, 721, ANAHEIM, CA 92807-4432

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3450 SW 142ND AVE, MIAMI, FL 33175-6731

Mortgage

Document Number	0002115239
Date	Mar 21, 2017
Instrument	2115239

Lender

Name	CAPITAL BANK CORPORATION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 441 3rd St was $7,297, down 0.9% from the year before.

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	$7,297.00 (-0.92%)	$726,913 Land $448,297 Building $278,616	$726,913 Land $448,297 Building $278,616
2024	$7,365.00 (+8.15%)
2023	$6,810.00 (+15.6%)	$791,290 (+28.46%) Land $503,841 Building $287,449	$791,290 (+28.46%) Land $503,841 Building $287,449
2022	$5,891.00	$615,981 Land $324,622 Building $291,359	$615,981 Land $324,622 Building $291,359

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 441 3rd 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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 405 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	612 units insured incl. 207 condo units
Nearby Flood Claims	582 (1983–2018)
Most Recent Claim	Aug 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

Wildfire risk around 441 3rd St is low, with less than a 0.01% annual chance of 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 276 locations within half a mile, as of December 31, 2025

Provider	Max 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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