13 Cactus Dr, Key West, FL 33040 Property Records

Monroe County property record for 13 Cactus Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,143 sqft · built 1963
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$317,000 (Nov 2015)
Tax Bill	$2,435 (2024)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00153760-000000`

Property Details

APN / Parcel Number

Primary APN	`00153760-000000`
Alternative APNs	`22672600153760000000` `1199249`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,143 sqft Living Area
1st Floor Area	844 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2005
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide

Exterior Amenities

Pool Area	336 sqft
Porch	Open Porch
Porch Area	131 sqft
Deck Area	180 sqft
Patio Area	180 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1199249
Old Parcel Number	22672600153760000000
Street Address	13 CACTUS DR
City	KEY WEST
State	FL
Zip	33040-5632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 13 SIMILAR SOUND SECTION A BIG COPPITT KEY PB3-126 OR616-814 OR871-1907 OR1169-910 OR1357-2081 OR2737-533 OR2767-2112/14
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	SIMILAR SOUND SEC A
Legal Lot Number	13
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2002
Census Tract	971700

Owner

13 Cactus Dr is owned and occupied by two individuals who bought it in November 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	13 CACTUS DR, KEY WEST, FL 33040-5632
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2015 · Amount on File
Deed Sale	Nov 3, 2015 · Amount on File
Prior Sale	Apr 27, 2015 · Amount on File
Deed Document Number	2051741
Deed Book / Page	2767 / 2112
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	13 CACTUS DR, KEY WEST, FL 33040-5632
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 CACTUS DR, KEY WEST, FL 33040-5632

Mortgage

Document Number	0030850018
Date	Mar 29, 2021
Book Page	3085/18
Instrument	2310909

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2051

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		$278,286	$526,171 Land $307,913 Building $218,258
2024	$2,435.00 (+6.56%)
2023	$2,285.00 (+3.11%) Senior Citizen's exemption	$262,567 (+3%)	$479,235 (+7.58%) Land $279,225 Building $200,010
2022	$2,216.00 Senior Citizen's exemption	$254,920	$445,483 Land $240,975 Building $204,508

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

Flood

FEMA maps place 13 Cactus 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 203 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	203 in force
Nearby Flood Claims	296 (1980–2020)
Most Recent Claim	Sep 2020 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 51 claims Hurricane Wilma, Oct 2005 · 166 claims Hurricane Georges, Sep 1998 · 58 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 13 Cactus 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20