11F Cross St, Key West, FL 33040 Property Records

Monroe County property record for 11F Cross St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 998 sqft · built 2006
Lot Size	0.084 acres (3,669 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Dec 2016)
Tax Bill	$548 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2018 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00129780-000000`

Property Details

APN / Parcel Number

Primary APN	`00129780-000000`
Alternative APNs	`35672500129780000000` `1163945`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	998 sqft Living Area
1st Floor Area	998 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,669 sqft (0.084 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	211 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1163945
Old Parcel Number	35672500129780000000
Street Address	11F CROSS ST
City	KEY WEST
State	FL
Zip	33040-5750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK F LOT 11 LINCOLN GARDENS #2 PB5-90 STOCK ISLAND OR381-396 OR650-700 OR660 256 OR1053-1306 OR1053-1307 OR1141-2178
Legal Range	25E
Legal Township	67S
Legal Section	35
Legal Subdivision	LINCOLN GARDENS NO 2
Legal Block	F
Legal Lot Number	11
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	4
Census Block	4002
Census Tract	971800

Owner

11F Cross St is owned and occupied by an individual who bought it in December 2016.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11 CROSS ST # F, F, KEY WEST, FL 33040
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · VA Mortgage AXIA FINANCIAL LLC
Jul 17, 2018	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jul 22, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jul 22, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2016 · Amount on File
Deed Sale	Dec 8, 2016 · Amount on File
Prior Sale	Jun 19, 2015 · Amount on File
Deed Document Number	2102399
Deed Book / Page	2829 / 1605
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	11F CROSS ST, KEY WEST, FL 33040-5750
Transaction Type	Mortgage
Record Updated	Apr 26, 2021
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11F CROSS ST, KEY WEST, FL 33040-5750

Mortgage

Document Number	0030871454
Date	Apr 7, 2021
Book Page	3087/1454
Instrument	2312502

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company
Address	BELLEVUE, WA 98004

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	11F CROSS ST, KEY WEST, FL 33040-5750
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029170352
Date	Jul 17, 2018
Book Page	2917/0352
Instrument	2178152

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	373 Months
Due	Aug 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	11F CROSS ST, KEY WEST, FL 33040-5750
Document Number	0029801533
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Sep 4, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11F CROSS ST KEY WEST FL 330405750, KEY WEST, FL 33040-5750

Mortgage

Document Number	0029801533
Date	Aug 20, 2019
Book Page	002980/001533
Instrument	2233220

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	11F CROSS ST, KEY WEST, FL 33040-5750
Document Number	0029770179
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11F CROSS ST KEY WEST FL 330405750, KEY WEST, FL 33040-5750

Mortgage

Document Number	0029770179
Date	Jul 29, 2019
Book Page	002977/000179
Instrument	2230315

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$363,851	$556,717 Land $302,032 Building $254,685
2024	$548.00 (+19.91%)
2023	$457.00 (-84.14%) Homeowner's exemption	$343,299 (+3%)	$512,968 (+7.73%) Land $280,458 Building $232,510
2022	$2,881.00 Senior Citizen's exemption	$333,300	$476,144 Land $240,907 Building $235,237

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

Flood

FEMA maps place 11F 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 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 File median of 294 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	332 units insured incl. 38 condo units
Nearby Flood Claims	201 (1980–2022)
Claims Outside the SFHA	2 of 201
Most Recent Claim	Sep 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 11F 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 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 402 locations within half a mile, as of December 31, 2025

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

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

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