11 Opal Dr, Key West, FL 33040 Property Records

Monroe County property record for 11 Opal Dr, Key West, FL 33040 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,008 sqft · built 2010
Lot Size	0.025 acres (1,111 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,306 (2024)
Deeds & Mortgages	Nov 2018 Mortgage Nov 2018 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00155820-001100`

Property Details

APN / Parcel Number

Primary APN	`00155820-001100`
Alternative APN	`9097817`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2014
Exterior Material	Plywood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,111 sqft (0.025 acres)
Porch	Open Porch
Porch Area	182 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	9097817
Street Address	11 OPAL DR
City	KEY WEST
State	FL
Zip	33040-5654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT TR C PORPOISE POINT SECTION 4 PB5-118 (A/K/A PARCEL 11 BAYSIDE LANDING-LEASEHOLD INTEREST) OR2472-848 OR2473-2389
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	PORPOISE POINT SEC 4
Legal Tract	C
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1008
Census Tract	971700

Owner

Source: Monroe County records · APN 00155820-001100

Assessment roll updated July 1, 2025 · Last verified December 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 File
Mailing Address	11 OPAL DR, KEY WEST, FL 33040-5654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Nov 30, 2018	Deed of Trust, Mortgage FIRST ST BK/FL KEYS
May 22, 2018	Warranty Deed, Transfer TRUE TITLE
Jan 16, 2004	Deed of Trust, Mortgage · Conventional Mortgage HABITAT FOR HUMANITY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 01, 2021
Deed Sale	Oct 01, 2021
Prior Sale	Jul 25, 2014
Deed Document Number	0031321261
Deed Book / Page	2908 / 0129
Prior Transfer Date	May 22, 2018
Prior Transfer Doc	2170228
Record Updated	Jun 08, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	11 OPAL DR, KEY WEST, FL 33040-5654
Document Number	0029440531
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Feb 07, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 OPAL DR KEY WEST FL 330405654, KEY WEST, FL 33040-5654

Mortgage

Document Number	0029440531
Date	Jan 11, 2019
Book Page	002944/000531
Instrument	2201415

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	1300 WHITE ST, KEY WEST, FL 33040-4854

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2049

Interest

Rate	12%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	11 OPAL DR, KEY WEST, FL 33040-5654
Document Number	0029440562
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Feb 07, 2019
Title Company	TRUE TITLE, TRUETITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 OPAL DR KEY WEST FL 330405654, KEY WEST, FL 33040-5654

Mortgage

Document Number	0029440562
Date	Jan 11, 2019
Book Page	002944/000562
Instrument	2201414

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 22, 2018
Property Address	11 OPAL DR, KEY WEST, FL 33040-5654
Document Number	0029080129
Book / Page	002908 / 000129
Instrument Date	May 11, 2018
Instrument	2170228
Transaction Type	Transfer
Record Updated	Jul 04, 2018
Title Company	TRUE TITLE

Transaction

Amount	Amount Recorded
Tax	$1,160.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 5873 KEY WEST FL 330455873, KEY WEST, FL 33045-5873

January 2004: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	11 OPAL DR, KEY WEST, FL 33040-5654
Document Number	0029440588
Instrument Date	Jan 16, 2004
Transaction Type	Mortgage
Record Updated	Feb 07, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 OPAL DR KEY WEST FL 330405654, KEY WEST, FL 33040-5654

Mortgage

Document Number	0029440588
Date	Jan 11, 2019
Book Page	002944/000588
Instrument	2201416

Lender

Name	HABITAT FOR HUMANITY
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2049

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$339,285 (+5.99%)	$380,353 (+3.59%) Land $181,482 Building $198,871
2024	$3,306.00 (+5.15%)
2023	$3,144.00 (+2.68%) Homeowner's exemption	$320,121 (+3%)	$367,177 (-0.55%) Land $181,482 Building $185,695
2022	$3,062.00 Homeowner's exemption	$310,798	$369,199 Land $181,482 Building $187,717

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879717001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 243 individual NFIP policies nearby
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	245 units insured 2 under condo master policies
Nearby Flood Claims	456 (1980–2022)
Most Recent Claim	Sep 2022, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 56 claims Hurricane Wilma, Oct 2005 · 178 claims Hurricane Georges, Sep 1998 · 180 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 174 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20

May also be available at this address: T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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