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520 3rd St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 520 3rd St, Key Colony Beach, FL 33051

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 3,111 sqft · built 1985
Lot Size0.238 acres (10,347 sqft)
OwnerCompany Name on Record
Last Sale$855,000 (Jun 1999)
Tax Bill$18,750 (2024)
Deeds & MortgagesSep 2019 Sale
Flood ZoneZone AE (high risk)
APN00072480-000000

Property Details

APN / Parcel Number

Primary APN00072480-000000
Alternative APNs
  • 04663300072480000000
  • 1076538

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,111 sqft Living Area
Gross Area3,461 sqft
1st Floor Area3,111 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 2000
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialTile
Lot Area10,347 sqft (0.238 acres)
Garage TypeAttached
Garage Area350 sqft

Exterior Amenities

Pool Area400 sqft
PorchOpen Porch
Porch Area548 sqft
Deck Area1,331 sqft
Patio Area3,073 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1076538
Street Address520 3RD ST
CityKEY COLONY BEACH
StateFL
Zip33051
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeINC
Legal DescriptionBK 2 PT LT 20 AND 30FT LT 21 KEY COLONY BEACH PB3-120 SHELTER KEY OR98-31/32 OR904-1782 OR1036-1565 OR1247-92/93 OR1247-94/95 OR1311-1093/94 OR1491-1838/39 OR1581-2464/65 OR2049-812/14 OR2785-174/76 OR2785-177/79L/E OR2985-1587
Legal Range33E
Legal Township66S
Legal Section04
Legal SubdivisionKEY COLONY BEACH
Legal Block2
Legal Lot Number20,21
JurisdictionMONROE FL
Township / Civil DivisionMIDDLE KEYS
Census Block Group2
Census Block2039
Census Tract971001

Owner

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

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 RecordCompany Name on Record
Mailing AddressPO BOX 510793, KEY COLONY BEACH, FL 33051-0793
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 18, 1999 · Amount on Record
Deed SaleJun 18, 1999 · Amount on Record
Prior SaleDec 31, 1997 · Amount on Record
Deed Book / Page1581 / 2464
Transfer Doc1491001838
Record UpdatedOct 29, 2026

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 20, 2019
Property Address520 3RD ST, KEY COLONY BEACH, FL 33051
Document Number0029851587
Book / Page002985 / 001587
Instrument DateSep 6, 2019
Instrument2237447
Transaction TypeTransfer
Record UpdatedOct 22, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 510793 KEY COLONY BEACH FL 330510793, KEY COLONY BEACH, FL 33051-0793

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$1,773,245 (-19.38%) Land $1,243,606 Building $529,639$1,773,245 (-19.38%) Land $1,243,606 Building $529,639
2024$18,750.00 (+4.9%)
2023$17,875.00 (+11.29%)$2,199,643 (+12.71%) Land $1,653,231 Building $546,412$2,199,643 (+12.71%) Land $1,653,231 Building $546,412
2022$16,062.00$1,951,657 Land $1,438,084 Building $513,573$1,951,657 Land $1,438,084 Building $513,573

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 405 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies612 units insured
incl. 207 condo units
Nearby Flood Claims582 (1983–2018)
Most Recent ClaimAug 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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

ProviderMax 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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