13F Cross St, Key West, FL 33040 Property Records

Monroe County property record for 13F Cross St, Key West, FL 33040

Property Summary

Property Type	Mobile Home
Details	2 bd · 1 ba · 1,020 sqft · built 1969
Lot Size	0.084 acres (3,669 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Oct 2021)
Tax Bill	$2,954 (2024)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Feb 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00129800-000000`

Property Details

APN / Parcel Number

Primary APN	`00129800-000000`
Alternative APNs	`35672500129800000000` `1163961`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2018
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Wood
Roof Type	Flat
Roof Material	Metal
Lot Area	3,669 sqft (0.084 acres)
Garage Type	Carport
Garage Area	160 sqft
Carport	Carport
Carport Area	160 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Wall Unit

Location & Zoning

Account Number	1163961
Street Address	13F CROSS ST
City	KEY WEST
State	FL
Zip	33040-5750
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	URM
Legal Description	BK F LOT 13 LINCOLN GARDENS NO 2 PB5-90 STOCK ISLAND OR381-396 OR637-477 OR797-97 OR797-797 OR829-1225 OR1188-761 OR1267-612 OR1465-1967 OR1612-174 OR2468-295 OR2496-454 OR2627-2469 OR2938-0953 OR2953-1386 OR3131-0768
Legal Range	25E
Legal Township	67S
Legal Section	35
Legal Subdivision	LINCOLN GARDENS NO 2
Legal Block	F
Legal Lot Number	13
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	4
Census Block	4002
Census Tract	971800

Owner

13F Cross St, a mobile home, is owned and occupied by an individual who bought it in October 2021.

Source: Monroe County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	13F CROSS ST, KEY WEST, FL 33040-5750
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
Oct 13, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEY
Feb 1, 2019	Deed of Trust, Mortgage · ARM FIRST STATE BANK OF THE FLORIDA KEYS
Mar 14, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 30, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2021 · Amount on File
Deed Sale	Oct 13, 2021 · Amount on File
Prior Sale	Mar 14, 2019 · Amount on File
Deed Document Number	20212343817
Deed Book / Page	3131 / 768
Prior Transfer Date	Jul 30, 1993
Prior Transfer Doc	1267000612
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 13, 2021
Property Address	13F CROSS ST, KEY WEST, FL 33040-5750
Document Number	0031310768
Book / Page	3131 / 768
Map Reference	MB 5 PG 90
Instrument Date	Oct 12, 2021
Instrument	2343817
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 BETTY ROSE DR APT 602, 6, KEY WEST, FL 33040-5725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13F CROSS ST, KEY WEST, FL 33040-5750

Mortgage

Document Number	3131770
Date	Oct 13, 2021
Instrument	3131/770

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	13F 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	0029470203
Date	Feb 1, 2019
Book Page	2947/0203
Instrument	2204098

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	ARM
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	12.7%

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Mar 14, 2019
Property Address	13F CROSS ST, KEY WEST, FL 33040-5750
Document Number	0029531386
Book / Page	002953 / 001386
Instrument Date	Jan 5, 2019
Instrument	2210808
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$70.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13F CROSS ST KEY WEST FL 330405750, KEY WEST, FL 33040-5750

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 30, 2018
Property Address	13F CROSS ST, KEY WEST, FL 33040-5750
Document Number	0029380953
Book / Page	002938 / 000953
Instrument Date	Nov 30, 2018
Instrument	2196431
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$945.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13F CROSS ST KEY WEST FL 330405750, KEY WEST, FL 33040-5750

Mortgage

Document Number	29380955
Date	Nov 30, 2018
Book Page	002938/000955
Instrument	2196432

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.75%

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		$336,473	$444,449 Land $302,032 Building $142,417
2024	$2,954.00 (+5.8%)
2023	$2,792.00 (+3.52%) Homeowner's exemption	$317,467 (+3.57%)	$354,109 (-5.53%) Land $221,131 Building $132,978
2022	$2,697.00 Homeowner's exemption	$306,538	$374,826 Land $240,907 Building $133,919

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

Flood

FEMA maps place 13F 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 13F 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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