1207 16th Ter, Key West, FL 33040 Property Records

Monroe County property record for 1207 16th Ter, Key West, FL 33040 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,635 sqft · built 1965
Lot Size	0.131 acres (5,700 sqft)
Owner	2 Individual Names on File
Last Sale	$103,000 (Feb 2015)
Tax Bill	$3,382 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00057510-000000`

Property Details

APN / Parcel Number

Primary APN	`00057510-000000`
Alternative APNs	`01010100057510000000` `1057991`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,635 sqft Living Area
1st Floor Area	1,635 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,700 sqft (0.131 acres)
Lot Dimensions	100 ft deep x 57 ft wide

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	281 sqft
Deck Area	220 sqft
Patio Area	319 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1057991
Street Address	1207 16TH TER
City	KEY WEST
State	FL
Zip	33040-4281
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BLK 6 KW PEARLMAN HEIGHTS PB4-85 OR308-12 OR420-784 OR986-1434 OR1221-2215 OR1465-415 OR1677-406 OR2094-1911 OR2117-1378 OR2725-1903
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	PEARLMAN HEIGHTS
Legal Block	6
Legal Lot Number	13
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2005
Census Tract	971900

Owner

Source: Monroe County records · APN 00057510-000000

Assessment roll updated December 8, 2025 · Last verified April 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 File
Mailing Address	1207 16TH TER, KEY WEST, FL 33040-4281
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 08, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 08, 2019	Deed of Trust, Mortgage QUICKEN LNS
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 20, 2015 · Amount on Record
Deed Sale	Feb 20, 2015 · Amount on Record
Prior Sale	May 25, 2005 · Amount on Record
Deed Document Number	20152016665
Deed Book / Page	2725 / 1903
Prior Transfer Date	Feb 12, 2015
Prior Transfer Doc	0027251903
Record Updated	Jun 08, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1207 16TH TER, KEY WEST, FL 33040-4281
Transaction Type	Mortgage
Record Updated	Feb 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1207 16TH TER, KEY WEST, FL 33040-4281

Mortgage

Document Number	0030740301
Date	Feb 08, 2021
Book Page	3074/301
Instrument	2302965

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1207 16TH TER, KEY WEST, FL 33040-4281
Document Number	0029601998
Instrument Date	Apr 08, 2019
Transaction Type	Mortgage
Record Updated	Jun 04, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1207 16TH TER KEY WEST FL 330404281, KEY WEST, FL 33040-4281

Mortgage

Document Number	0029601998
Date	Apr 25, 2019
Book Page	002960/001998
Instrument	2217053

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1207 16TH TER, KEY WEST, FL 33040-4281
Document Number	0028760140
Book / Page	002876 / 000140
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 03, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1207 16TH TER KEY WEST FL 330404281, KEY WEST, FL 33040-4281

Mortgage

Document Number	0028760140
Date	Oct 23, 2017
Book Page	002876/000140
Instrument	2140784

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 22, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Key West City
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		$405,374 (+5.99%)	$808,868 (-1.61%) Land $474,953 Building $333,915
2024	$3,382.00 (+1.9%)
2023	$3,319.00 (+4.63%) Homeowner's exemption	$382,476 (+3%)	$822,096 (+15.66%) Land $523,887 Building $298,209
2022	$3,172.00 Homeowner's exemption	$371,336	$710,793 Land $408,747 Building $302,046

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 120879719002, 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	8.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 220 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	363 units insured 143 under condo master policies
Nearby Flood Claims	348 (1979–2022)
Most Recent Claim	Sep 2022, rainfall accumulation, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 30 claims Hurricane Wilma, Oct 2005 · 243 claims Hurricane Georges, Sep 1998 · 51 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 236 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250

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

Mobile Coverage

5G and 4G LTE

Nearby Properties on 16th Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures