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46 Yardarm Rd, Summerland Key, FL 33042 Property Records

Monroe County property record for 46 Yardarm Rd, Summerland Key, FL 33042 · Last verified August 2026

Property Summary

Property TypeDuplex
Details2 bd · 2 ba · 1,584 sqft · built 1980
Lot Size0.267 acres (11,642 sqft)
Owner2 Individual Names on File
Last Sale$310,000 (Nov 2022)
Tax Bill$7,728 (2024)
Deeds & MortgagesApr 2024 Mortgage
Nov 2022 Sale & Mortgage
+ 2 more
Flood ZoneZone AE (high risk)
APN00178040-000000

Property Details

APN / Parcel Number

Primary APN00178040-000000
Alternative APNs
  • 28662800178040000000
  • 1230065

Interior

Bedrooms2 Beds
Full Baths2 Baths
Units2 Units
Stories2 Stories
Building Area1,584 sqft Living Area
1st Floor Area1,440 sqft
FlooringTerrazzo
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 2000
Architectural StyleDuplex Single
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area11,642 sqft (0.267 acres)
Garage TypeCovered
Garage Area468 sqft
PorchFlorida Room
Porch Area144 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1230065
Street Address46 YARDARM RD
CitySUMMERLAND KEY
StateFL
Zip33042-4716
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Legal DescriptionBK 5 LT 54 CUTTHROAT HARBOR ESTATES CUDJOE KEY PB4-165 OR252-349 OR585-51 OR743-791Q OR776-69D/C OR785-1355/56 OR1015-974 OR2250-425/26Q/C OR3202-1994
Legal Range28E
Legal Township66S
Legal Section28
Legal SubdivisionCUTTHROAT HARBOR ESTATES
Legal Block5
Legal Lot Number54
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group2
Census Block2018
Census Tract971501

Owner

Source: Monroe County records · APN 00178040-000000

Assessment roll updated December 8, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address46 YARDARM RD, B, SUMMERLAND KEY, FL 33042-4716
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 04, 2024Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Nov 28, 2022Warranty Deed, Transfer · FHA Mortgage
FREEDOM MORTGAGE CORP
Nov 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Mar 22, 2017Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 28, 2022 · Amount on Record
Deed SaleNov 28, 2022 · Amount on Record
Prior SaleJun 01, 1987 · Amount on Record
Deed Document Number20222398788
Deed Book / Page3202 / 1994
Prior Transfer DateAug 22, 2006
Prior Transfer Doc0022500425
Record UpdatedSep 20, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address46 YARDARM RD, CUDJOE KEY, FL 33042-4716
Transaction TypeMortgage
Record UpdatedApr 26, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address46 YARDARM RD, CUDJOE KEY, FL 33042-4716

Mortgage

Document Number0032691829
DateApr 04, 2024
Book Page3269/1829
Instrument2456772
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Address951 W YAMATO RD STE 175, BOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2054

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateNov 28, 2022
Property Address46 YARDARM RD, CUDJOE KEY, FL 33042-4716
Document Number0032021994
Book / Page3202 / 1994
Map ReferenceMB 4 PG 165
Instrument DateNov 22, 2022
Instrument2398788
Transaction TypeTransfer
Record UpdatedJan 26, 2023
Title CompanyTRUE TITLE FLORIDA KEYS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,170.00
Amount AccuracyRounded by County

Transferred From (Grantor/Seller)

NameVerified Name
Address1400 PATRICIA ST, KEY WEST, FL 33040-5033

Transferred To (Grantee/Buyer)

NameVerified Name
Address46 YARDARM RD # B, B, CUDJOE KEY, FL 33042-4716

Mortgage

Document Number0032021996
DateNov 28, 2022
Instrument3202/1996
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2052

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address46 YARDARM RD, CUDJOE KEY, FL 33042-4716
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0030582077
DateNov 24, 2020
Book Page3058/2077
Instrument2292288
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueNov 01, 2035

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address46 YARDARM RD, CUDJOE KEY, FL 33042-4716
Document Number0028470337
Book / Page002847 / 000337
Instrument DateMar 22, 2017
Transaction TypeMortgage
Record UpdatedJun 13, 2017
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
Address2408 FOGARTY AVE KEY WEST FL 330403812, KEY WEST, FL 33040-3812

Mortgage

Document Number0028470337
DateApr 03, 2017
Book Page002847/000337
Instrument2117153
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 02, 2047

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$728,185 (+7.42%) Land $503,982 Building $224,203$728,185 (+7.42%) Land $503,982 Building $224,203
2024$7,728.00 (+6.53%)
2023$7,254.00 (+44.36%)$677,859 (+26.11%) Land $460,907 Building $216,952$677,859 (+26.11%) Land $460,907 Building $216,952
2022$5,025.00$537,493 Land $329,527 Building $207,966$537,493 Land $329,527 Building $207,966

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation9.0 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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