12 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 12 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,400 sqft · built 1958
Lot Size	0.21 acres (9,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$457,500 (Oct 2018)
Tax Bill	$577 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage Oct 2022 Second Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00160350-000000`

Property Details

APN / Parcel Number

Primary APN	`00160350-000000`
Alternative APNs	`08672700160350000000` `1205923`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Other
Lot Area	9,150 sqft (0.21 acres)
Lot Dimensions	122 ft deep x 75 ft wide
View / Lot	Canal

Exterior Amenities

Porch	Open Porch
Porch Area	222 sqft
Deck Area	1,488 sqft
Patio Area	1,563 sqft
Canopy	220 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1205923
Street Address	12 BAY DR
City	KEY WEST
State	FL
Zip	33040-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 5 LT 6 BAY POINT AMENDED PLAT PB3-75 SADDLEBUNCH KEYS OR58-499 OR576-508 OR774-37 OR846-186 OR918-41 OR993-404 OR1577-931 OR1710-1703/05 OR2934-0548
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	5
Legal Lot Number	6
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

Source: Monroe County records, as of September 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	12 BAY DR, KEY WEST, FL 33040-6115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Oct 14, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Sep 3, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Apr 10, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Oct 31, 2018	Warranty Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2018 · Amount on Record
Deed Sale	Oct 31, 2018 · Amount on Record
Prior Sale	May 20, 1999 · Amount on Record
Deed Document Number	20182192815
Deed Book / Page	2934 / 548
Transfer Doc	1710001703
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	12 BAY DR, KEY WEST, FL 33040-6115
Transaction Type	Mortgage
Record Updated	Feb 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032591166
Date	Jan 23, 2024
Book Page	3259/1166
Instrument	2448618

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2044

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	12 BAY DR, KEY WEST, FL 33040-6115
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 BAY DR, KEY WEST, FL 33040-6115

Mortgage

Document Number	0031971374
Date	Oct 14, 2022
Book Page	3197/1374
Instrument	2394372

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2042

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	12 BAY DR, KEY WEST, FL 33040-6115
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 BAY DR, KEY WEST, FL 33040-6115

Mortgage

Document Number	0031240397
Date	Sep 3, 2021
Book Page	3124/397
Instrument	2338437

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	12 BAY DR, KEY WEST, FL 33040-6115
Document Number	0030172396
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 BAY DR KEY WEST FL 330406115, KEY WEST, FL 33040-6115

Mortgage

Document Number	0030172396
Date	Apr 14, 2020
Book Page	003017/002396
Instrument	2263020

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 31, 2018
Property Address	12 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029340548
Book / Page	002934 / 000548
Instrument Date	Oct 26, 2018
Instrument	2192815
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,202.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 BAY DR KEY WEST FL 330406115, KEY WEST, FL 33040-6115

Mortgage

Document Number	29340555
Date	Oct 31, 2018
Book Page	002934/000555
Instrument	2192817

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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	$577.00 (+5.29%) Veteran's exemption	$502,000 (+6.1%)	$899,145 (+11.56%) Land $693,113 Building $206,032
2024	$548.00 (+19.91%)
2023	$457.00 (+2.47%) Homeowner's exemption	$473,141 (+3%)	$805,977 (+33.62%) Land $619,181 Building $186,796
2022	$446.00 Homeowner's exemption	$459,361	$603,189 Land $415,868 Building $187,321

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 537 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	537 in force
Nearby Flood Claims	1,085 (1980–2022)
Claims Outside the SFHA	1 of 1,085
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 256 claims Hurricane Wilma, Oct 2005 · 486 claims Hurricane Georges, Oct 1998 · 297 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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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