1015 Elgin Ln, Key West, FL 33040 Property Records

Monroe County property record for 1015 Elgin Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,940 sqft · built 1933
Lot Size	0.093 acres (4,063 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,725,000 (Nov 2020)
Tax Bill	$12,698 (2024)
Deeds & Mortgages	Sep 2023 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00005280-000000`

Property Details

APN / Parcel Number

Primary APN	`00005280-000000`
Alternative APNs	`01010100005280000000` `1005461`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,940 sqft Living Area
1st Floor Area	1,940 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2016
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	4,063 sqft (0.093 acres)
Lot Dimensions	80 ft deep x 52 ft wide

Exterior Amenities

Pool Area	204 sqft
Porch	Open Porch
Porch Area	292 sqft
Patio Area	2,088 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1005461
Street Address	1015 ELGIN LN
City	KEY WEST
State	FL
Zip	33040-6945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW PT LOT 3 SQR 32 H3-385 OR490-855/56 OR774-1700/01 CO JUDGES DOCKET 78-264 OR776-864/67 OR774-2002/06 OR775-1/5 OR1580-523/27 OR1581-2110/13 OR1581-2114/37 OR1657-1487/90 OR1657-1491/94 OR1865-2498 OR1912-727/29 OR1915-2214/17 OR2109-297/99 OR2153-
Legal Range	25E
Legal Township	67S
Legal Section	31
Legal Subdivision	SQUARE THIRTY TWO
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3001
Census Tract	972800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Key West Historic District listed 1971 · 189 contributing resources · NRIS 71000245

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

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	1015 ELGIN LN, KEY WEST, FL 33040-6945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 3, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2020 · Amount on Record
Deed Sale	Nov 3, 2020 · Amount on Record
Prior Sale	Mar 29, 2016 · Amount on Record
Deed Document Number	20202289458
Deed Book / Page	3054 / 1780
Prior Transfer Date	Mar 6, 2016
Prior Transfer Doc	0002069529
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1015 ELGIN LN, KEY WEST, FL 33040-6945
Transaction Type	Mortgage
Record Updated	Oct 10, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 ELGIN LN, KEY WEST, FL 33040-6945

Mortgage

Document Number	0032422098
Date	Sep 18, 2023
Book Page	3242/2098
Instrument	2432132

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 18, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 3, 2020
Property Address	1015 ELGIN LN, KEY WEST, FL 33040-6945
Document Number	0030541780
Book / Page	3054 / 1780
Map Reference	MB 00 PG 550
Instrument Date	Nov 2, 2020
Instrument	2289458
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4078, KEY WEST, FL 33041-4078

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 ELGIN LN, KEY WEST, FL 33040-6945

Mortgage

Document Number	0030541785
Date	Nov 3, 2020
Book Page	3054/1785
Instrument	2289460

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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		$1,569,420 (+5.99%)	$2,281,438 (+12.74%) Land $1,442,046 Building $839,392
2024	$12,698.00 (+1.57%)
2023	$12,502.00 (+4.43%) Homeowner's exemption	$1,480,767 (+3%)	$2,023,615 (+16.77%) Land $1,236,166 Building $787,449
2022	$11,972.00 Homeowner's exemption	$1,437,638	$1,733,038 Land $936,623 Building $796,415

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 248 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	259 units insured incl. 11 condo units
Nearby Flood Claims	11 (2005–2025)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Wilma, Oct 2005 · 3 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	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 922 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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