461 3rd St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 461 3rd St, Key Colony Beach, FL 33051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,264 sqft · built 1997
Lot Size	0.077 acres (3,336 sqft)
Owner	Company Name on Record
Last Sale	$840,000 (Aug 2026)
Tax Bill	$6,870 (2025)
Deeds & Mortgages	Aug 2026 Sale Feb 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00072850-000000`

Property Details

APN / Parcel Number

Primary APN	`00072850-000000`
Alternative APNs	`04663300072850000000` `1076902`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,264 sqft Living Area
1st Floor Area	1,264 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	3,336 sqft (0.077 acres)

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	165 sqft
Patio Area	205 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1076902
Street Address	461 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 19 KEY COLONY BEACH PB3-120 SHELTER KEY OR318-468/69 OR354-87/88 OR635-14/15 OR871-1174 OR913-985 OR1398-122/23 OR1414-2078/79 OR1582-2294/97 OR1582-2307/11 OR1587-1360/63 OR1587-1364 OR1910-450/51 OR2838-982/83 OR2838-998
Legal Range	33E
Legal Township	66S
Legal Section	04
Legal Subdivision	KEY COLONY BEACH
Legal Block	3
Legal Lot Number	19
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	2
Census Block	2039
Census Tract	971001

Owner

Source: Monroe County records, as of August 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 510404, KEY COLONY BEACH, FL 33051-0404
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Feb 8, 2017	Warranty Deed, Transfer · ARM CAPITAL BANK CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2026 · Amount on Record
Deed Sale	Aug 7, 2026 · Amount on Record
Prior Sale	Feb 8, 2017 · Amount on Record
Deed Document Number	20262555758
Deed Book / Page	3396 / 2103
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 7, 2026
Property Address	461 3RD ST, KEY COLONY BEACH, FL 33051
Document Number	0002555758
Book / Page	3396 / 2103
Instrument Date	Aug 7, 2026
Instrument	20262555758
Transaction Type	Transfer
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$593,880.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 8, 2017
Property Address	461 3RD ST, KEY COLONY BEACH, FL 33051
Document Number	0028380982
Book / Page	2838 / 0982
Map Reference	MB3 PG120
Instrument Date	Jan 20, 2017
Instrument	2109670
Transaction Type	Transfer
Record Updated	Dec 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1458 W BELMONT AVE, 1458, CHICAGO, IL 60657-2111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13448 BRIDGEVIEW WAY, MOUNT VERNON, WA 98273-7272

Mortgage

Document Number	0002109671
Date	Feb 8, 2017
Instrument	2109671

Lender

Name	CAPITAL BANK CORPORATION
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

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	$6,870.00 (-1.02%)	$692,620 (-7.9%) Land $451,027 Building $241,593	$692,620 (-7.9%) Land $451,027 Building $241,593
2024	$6,941.00 (+8.33%)
2023	$6,407.00 (+15.96%)	$752,061 (+29.76%) Land $502,035 Building $250,026	$752,061 (+29.76%) Land $502,035 Building $250,026
2022	$5,525.00	$579,563 Land $323,459 Building $256,104	$579,563 Land $323,459 Building $256,104

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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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