651 9th St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 651 9th St, Key Colony Beach, FL 33051

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,030 sqft · built 1989
Lot Size	0.095 acres (4,125 sqft)
Owner	2 Individual Names on File
Last Sale	$1,232,000 (Sep 2026)
Tax Bill	$9,607 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2022 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`00075730-000000`

Property Details

APN / Parcel Number

Primary APN	`00075730-000000`
Alternative APNs	`05663300075730000000` `1081329`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,030 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,125 sqft (0.095 acres)
Lot Dimensions	110 ft deep x 75 ft wide
View / Lot	Canal
Garage Type	Covered
Garage Area	546 sqft

Exterior Amenities

Porch	Slab
Porch Area	672 sqft
Deck Area	546 sqft
Patio Area	1,006 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1081329
Street Address	651 9TH ST
City	KEY COLONY BEACH
State	FL
Zip	33051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	INC
Legal Description	BLK 10 N 1/2 LOT 28 KEY COLONY BEACH FIRST ADDN AMENDED PLAT PB4-11 SHELTER KEY OR467-84 OR961-2309 OR1143-2288 OR1296-1949 OR1658-1612/13 OR2116-745 OR2416-282/283 OR2416-183/188 OR2938-0730 OR3111-0708 OR3183-1063
Legal Range	33E
Legal Township	66S
Legal Section	05
Legal Subdivision	KEY COLONY BEACH 1ST ADD
Legal Block	10
Legal Lot Number	28
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	1
Census Block	1012
Census Tract	971001

Owner

651 9th St is owned by two individuals who bought it in September 2026.

Source: Monroe County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4981 W CARDINAL LN, FRANKLIN, WI 53132-2294
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Sep 14, 2026	Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT
Jul 8, 2022	Warranty Deed, Transfer ATTORNEY
Jul 9, 2021	Intrafamily Transfer, Transfer ATTORNEY
Nov 30, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on File
Deed Sale	Sep 14, 2026 · Amount on File
Prior Sale	Jul 8, 2022 · Amount on File
Deed Document Number	20262560478
Deed Book / Page	3402 / 687
Prior Transfer Date	Jun 14, 2021
Prior Transfer Doc	0031110708
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 14, 2026
Property Address	651 9TH ST, KEY COLONY BEACH, FL 33051
Document Number	0002560478
Book / Page	3402 / 687
Instrument Date	Sep 11, 2026
Instrument	20262560478
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$871,024.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4981 W CARDINAL LN, FRANKLIN, WI 53132-2294

Mortgage

Document Number	0002560480,
Date	Sep 14, 2026
Instrument	20262560480

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 8, 2022
Property Address	651 9TH ST, KEY COLONY BEACH, FL 33051
Document Number	0031831063
Book / Page	3183 / 1063
Map Reference	MB 4 PG 11
Instrument Date	Jul 7, 2022
Instrument	2382921
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$7,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1030 GREYFIELD RD, 1030, GREENSBORO, GA 30642-7065

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	10320 LANDS END CIRCLE #46 # 46, 46, NAPLES, FL 33940

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jul 9, 2021
Property Address	651 9TH ST, KEY COLONY BEACH, FL 33051
Document Number	0031110708
Book / Page	3111 / 708
Map Reference	MB 4 PG 11
Instrument Date	Jun 14, 2021
Instrument	2329318
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 GREYFIELD RD, GREENSBORO, GA 30642-7065

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Nov 30, 2018
Property Address	651 9TH ST, KEY COLONY BEACH, FL 33051
Document Number	0029380730
Book / Page	002938 / 000730
Instrument Date	Oct 30, 2018
Instrument	2196365
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 GREYFIELD RD GREENSBORO GA 306427065, GREENSBORO, GA 30642-7065

Tax Assessment & Valuation

The 2025 property tax bill for 651 9th St was $9,607, down 3.9% 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	$9,607.00 (-3.86%)	$972,572 Land $486,750 Building $485,822	$972,572 Land $486,750 Building $485,822
2024	$9,993.00 (+4.12%)
2023	$9,598.00 (+46.38%)	$943,390 (+32.73%) Land $474,375 Building $469,015	$943,390 (+32.73%) Land $474,375 Building $469,015
2022	$6,557.00	$710,742 Land $379,500 Building $331,242	$710,742 Land $379,500 Building $331,242

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

Flood

FEMA maps place 651 9th 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 558 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	967 units insured incl. 409 condo units
Nearby Flood Claims	861 (1979–2026)
Claims Outside the SFHA	1 of 861
Most Recent Claim	Feb 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

The area around 651 9th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not 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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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