Monroe County property record for 12 Opal Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,288 sqft · built 2010 |
| Lot Size | 0.029 acres (1,275 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,148 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 00155820-001200 |
| Primary APN | 00155820-001200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 1,288 sqft Living Area |
| 1st Floor Area | 1,288 sqft |
| Attic | Attic |
| Attic Area | 517 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Combination |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 1,275 sqft (0.029 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Slab |
| Porch Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 9097818 |
|---|---|
| Street Address | 12 OPAL DR |
| City | KEY WEST |
| State | FL |
| Zip | 33040-5654 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SC |
| Legal Description | PT TR C PORPOISE POINT SECTION 4 PB5-118 (A/K/A PARCEL 12 BAYSIDE LANDING-LEASEHOLD INTEREST) OR2486-682/84 OR2486-697/703(LEASE) |
| 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 |
12 Opal Dr is owned and occupied by two individuals.
Source: Monroe County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 OPAL DR, KEY WEST, FL 33040-5654 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 12 Opal Dr was $2,148 with a homeowner's exemption, up 4.8% from the year before.
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,148.00 (+4.83%) Homeowner's exemption | $185,736 | $442,804 Land $191,441 Building $251,363 |
| 2024 | $2,049.00 (+6.83%) | ||
| 2023 | $1,918.00 (+2.68%) Homeowner's exemption | $175,245 (+3%) | $428,055 (-0.6%) Land $191,441 Building $236,614 |
| 2022 | $1,868.00 Homeowner's exemption | $170,141 | $430,624 Land $191,441 Building $239,183 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Opal Dr 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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 243 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 245 units insured incl. 2 condo units |
| Nearby Flood Claims | 456 (1980–2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
The area around 12 Opal Dr 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.
Source: FCC Broadband Data Collection, based on 174 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, T-Mobile.
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