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68 7th St, Key Colony Beach, FL 33051 Property Records

Monroe County property record for 68 7th St, Key Colony Beach, FL 33051

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,052 sqft · built 2007
Lot Size0.154 acres (6,725 sqft)
Owner2 Individual Names on File
Last Sale$1,350,000 (Nov 2019)
Tax Bill$12,946 (2024)
Deeds & MortgagesApr 2023 Mortgage
Nov 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00078220-000000

Property Details

APN / Parcel Number

Primary APN00078220-000000
Alternative APNs
  • 05663300078220000000
  • 1083968

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,052 sqft Living Area
1st Floor Area2,130 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2012
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeFlat
Roof MaterialTile
Lot Area6,725 sqft (0.154 acres)
View / LotCanal
Garage TypeCovered
Garage Area424 sqft

Exterior Amenities

Pool Area165 sqft
PorchUnfinished Open Porch
Porch Area1,261 sqft
Patio Area2,081 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1083968
Street Address68 7TH ST
CityKEY COLONY BEACH
StateFL
Zip33051
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRU-2
Legal DescriptionLOT 35 KEY COLONY BEACH YACHT CLUB SUB KEY COLONY BCH FL PB4-68 AND ADJ FILLED LAND AND BAY BTM OR136-151 OR166-349 OR182-9 OR181-320 OR181-322 OR182-12 OR292-388 OR292-389 OR496-710 OR522-157 OR522-158 OR596-289 OR596-290 OR2226-27T/C OR2226-28/29 O
Legal Range33E
Legal Township66S
Legal Section05
Legal SubdivisionKEY COLONY BEACH YACHT
Legal Lot Number35
JurisdictionMONROE FL
Township / Civil DivisionMIDDLE KEYS
Census Block Group1
Census Block1012
Census Tract971001

Owner

68 7th St is owned and occupied by two individuals who bought it in November 2019.

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

Owner of Record2 Individual Names on File
Mailing AddressPO BOX 510302, KEY COLONY BEACH, FL 33051-0302
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Apr 3, 2023Deed of Trust, Mortgage · Conventional Mortgage
FIRST HORIZON BANK
Nov 15, 2019Warranty Deed, Transfer
WOOD SARAH M TRUST (RT)

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 15, 2019 · Amount on File
Deed SaleNov 15, 2019 · Amount on File
Prior SaleJul 24, 2006 · Amount on File
Deed Document Number20192244560
Deed Book / Page2994 / 1561
Prior Transfer DateJan 29, 2016
Prior Transfer Doc0027810291
Record UpdatedJun 8, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address68 7TH ST, KEY COLONY BEACH, FL 33051
Transaction TypeMortgage
Record UpdatedApr 26, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address68 7TH ST, KEY COLONY BEACH, FL 33051

Mortgage

Document Number0032181319
DateApr 3, 2023
Book Page3218/1319
Instrument2412509
Lender
NameFIRST HORIZON BANK
TypeBank
AddressMEMPHIS, TN 38103
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2053
Interest
Rate TypeAdjustable Rate
Rate5.62%
Type Change DateMay 1, 2030
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change10.6%
IndexOther
Max Rate10.6%

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateNov 15, 2019
Property Address68 7TH ST, KEY COLONY BEACH, FL 33051
Document Number0029941561
Book / Page002994 / 001561
Instrument DateNov 15, 2019
Instrument2244560
Transaction TypeTransfer
Record UpdatedDec 19, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$945.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address6 UNIVERSITY DR AMHERST MA 010022360, AMHERST, MA 01002-2360

Mortgage

Document Number29941563
DateNov 15, 2019
Book Page002994/001563
Instrument2244561
Lender
NameWOOD SARAH M TRUST (RT)
Agreement
AmountAmount on Record
Term36 Months
DueNov 14, 2022
Interest
Rate18%

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$1,349,260 Land $684,945 Building $664,315$1,349,260 Land $684,945 Building $664,315
2024$12,946.00 (-1.54%)
2023$13,149.00 (+9.25%) Homeowner's exemption$1,372,843 (+11.75%) Land $684,945 Building $687,898$1,372,843 (+11.75%) Land $684,945 Building $687,898
2022$12,036.00$1,228,507 Land $528,387 Building $700,120$1,228,507 Land $528,387 Building $700,120

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

Flood

FEMA maps place 68 7th 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 558 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies967 units insured
incl. 409 condo units
Nearby Flood Claims861 (1979–2026)
Claims Outside the SFHA1 of 861
Most Recent ClaimFeb 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 68 7th 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 RiskNot 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

ProviderMax 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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