1006 16th Ter, Key West, FL 33040 Property Records

Monroe County property record for 1006 16th Ter, Key West, FL 33040

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,016 sqft · built 1965
Lot Size	0.131 acres (5,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Apr 2026)
Tax Bill	$2,323 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00057230-000000`

Property Details

APN / Parcel Number

Primary APN	`00057230-000000`
Alternative APNs	`01010100057230000000` `1057711`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	2,016 sqft Living Area
1st Floor Area	2,016 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2000
Architectural Style	Duplex Single
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,700 sqft (0.131 acres)
Lot Dimensions	100 ft deep x 57 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	464 sqft
Deck Area	51 sqft
Patio Area	765 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1057711
Street Address	1006 16TH TER
City	KEY WEST
State	FL
Zip	33040-4247
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SF-2
Legal Description	KW PEARLMAN HEIGHTS PB4-85 LOT 2 BLK 5 OR255-196 OR1216-2405 OR1472-864 OR1487-2386 OR1552-1034
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	PEARLMAN HEIGHTS
Legal Block	5
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2006
Census Tract	971900

Owner

Source: Monroe County records, as of July 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1006 16TH TER, KEY WEST, FL 33040-4247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage OCMBC INC
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage OCMBC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2026 · Amount on Record
Deed Sale	Apr 7, 2026 · Amount on Record
Deed Document Number	20262538618
Deed Book / Page	3374 / 1755
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 7, 2026
Property Address	1006 16TH TER, KEY WEST, FL 33040-4247
Document Number	0002538618
Book / Page	3374 / 1755
Instrument Date	Apr 6, 2026
Instrument	2026.2538618
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$848,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002538619,
Date	Apr 7, 2026
Book Page	3374/1757
Instrument	2026.2538619

Lender

Name	OCMBC INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 7, 2026
Property Address	1006 16TH TER, KEY WEST, FL 33040-4247
Document Number	0033741755
Book / Page	3374 / 1755
Instrument Date	Apr 6, 2026
Instrument	20262538618
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$848,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002538619,
Date	Apr 7, 2026
Book Page	3374/1757
Instrument	20262538619

Lender

Name	OCMBC INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Key West City
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,323.00 (+28.98%) Homeowner's exemption	$255,422 (+5.99%)	$792,733 (-4.5%) Land $474,953 Building $317,780
2024	$1,801.00 (+3.03%)
2023	$1,748.00 (+3.07%) Senior Citizen's exemption	$240,995 (+3%)	$830,088 (+16.08%) Land $523,887 Building $306,201
2022	$1,696.00 Senior Citizen's exemption	$233,976	$715,092 Land $408,747 Building $306,345

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 220 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	363 units insured incl. 143 condo units
Nearby Flood Claims	348 (1979–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 30 claims Hurricane Wilma, Oct 2005 · 243 claims Hurricane Georges, Sep 1998 · 51 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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Hotwire Communications, Verizon.

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