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10F Cross St, Key West, FL 33040 Property Records

Monroe County property record for 10F Cross St, Key West, FL 33040

Property Summary

Property TypeMobile Home
Details3 bd · 2 ba · 1,512 sqft · built 2001
Lot Size0.084 acres (3,669 sqft)
Owner2 Individual Names on File
Last Sale$480,000 (Sep 2022)
Tax Bill$3,583 (2024)
Deeds & MortgagesSep 2022 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00129770-000000

Property Details

APN / Parcel Number

Primary APN00129770-000000
Alternative APNs
  • 35672500129770000000
  • 1163937

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,512 sqft Living Area
1st Floor Area1,512 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2013
Architectural StyleMobile Home
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Foundation TypeBlock
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area3,669 sqft (0.084 acres)
PorchUnfinished Open Porch
Porch Area248 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Account Number1163937
Street Address10F CROSS ST
CityKEY WEST
StateFL
Zip33040-5750
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeURM
Legal DescriptionBK F LOT 10 LINCOLN GARDENS #2 PB5-90 STOCK ISLAND OR588-834 OR797-1508 OR847-524 OR851-2198 OR3194-2287
Legal Range25E
Legal Township67S
Legal Section35
Legal SubdivisionLINCOLN GARDENS NO 2
Legal BlockF
Legal Lot Number10
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group4
Census Block4002
Census Tract971800

Owner

10F Cross St, a mobile home, is owned and occupied by two individuals who bought it in September 2022.

Source: Monroe County records, as of May 12, 2026

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 Record2 Individual Names on File
Mailing Address10F CROSS ST, KEY WEST, FL 33040-5750
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 20, 2022 · Amount on File
Deed SaleSep 20, 2022 · Amount on File
Prior SaleFeb 1, 1974 · Amount on File
Deed Document Number20222392080
Deed Book / Page3194 / 2287
Record UpdatedOct 29, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 20, 2022
Property Address10F CROSS ST, KEY WEST, FL 33040-5750
Document Number0031942287
Book / Page3194 / 2287
Map ReferenceMB 5 PG 90
Instrument DateSep 13, 2022
Instrument2392080
Transaction TypeTransfer
Record UpdatedOct 14, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,360.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7985 LITTLE MILL RD, 7985, CUMMING, GA 30041-4168

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
AddressFLO CROSS STREET, KEY WEST, FL 33040

Mortgage

Document Number0031942289
DateSep 20, 2022
Instrument3194/2289
Lender
NameFIRST HORIZON BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$413,283$472,550 Land $302,032 Building $170,518
2024$3,583.00 (+5.23%)
2023$3,405.00 (+16.53%) Homeowner's exemption$389,938 (+9.86%) Land $221,131 Building $168,807$389,938 (+9.86%) Land $221,131 Building $168,807
2022$2,922.00$354,956 Land $240,907 Building $114,049$354,956 Land $240,907 Building $114,049

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

Flood

FEMA maps place 10F Cross 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 Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 294 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies332 units insured
incl. 38 condo units
Nearby Flood Claims201 (1980–2022)
Claims Outside the SFHA2 of 201
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 48 claims
  • Hurricane Wilma, Oct 2005 · 95 claims
  • Hurricane Georges, Sep 1998 · 26 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 10F Cross 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 402 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Starlink
Satellite		280 / 30

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

Nearby Properties on Cross St

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