14 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 14 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,062 sqft · built 2000
Lot Size	0.212 acres (9,250 sqft)
Owner	2 Company Names on Record
Last Sale	$490,000 (Jun 2015)
Tax Bill	$6,163 (2025)
Deeds & Mortgages	Jul 2023 Transfer Apr 2018 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`00160360-000000`

Property Details

APN / Parcel Number

Primary APN	`00160360-000000`
Alternative APNs	`08672700160360000000` `1205931`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	2,062 sqft Living Area
Gross Area	2,574 sqft
1st Floor Area	2,062 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,250 sqft (0.212 acres)
Lot Dimensions	125 ft deep x 75 ft wide
View / Lot	Canal
Garage Type	Attached
Garage Area	512 sqft

Exterior Amenities

Pool Area	392 sqft
Porch	Slab
Porch Area	994 sqft
Patio Area	744 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1205931
Street Address	14 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 7 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 OR58-495 OR602-798 OR734-149 OR791-1557 OR833-2277 OR1416-2021 OR1887-2224 OR1916-1228 OR1916-1230 OR2394-1677 OR2722-1873 OR2747-1813 OR3235-2225
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	5
Legal Lot Number	7
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 October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	14 BAY DR, KEY WEST, FL 33040-6115
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 27, 2018	Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Nov 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2015 · Amount on Record
Deed Sale	Jun 25, 2015 · Amount on Record
Prior Sale	Jan 30, 2015
Deed Document Number	20152034870
Deed Book / Page	2747 / 1813
Prior Transfer Date	Jan 26, 2015
Prior Transfer Doc	0002014121
Record Updated	Oct 29, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jul 26, 2023
Property Address	14 BAY DR, KEY WEST, FL 33040-6115
Document Number	0032352225
Book / Page	3235 / 2225
Map Reference	MB 3 PG 75
Instrument Date	Jun 10, 2023
Instrument	2426353
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 BAY DR, KEY WEST, FL 33040-6115

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	14 BAY DR, KEY WEST, FL 33040-6115

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	14 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029041003
Instrument Date	Apr 27, 2018
Transaction Type	Mortgage
Record Updated	Jun 19, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 BAY DR KEY WEST FL 330406115, KEY WEST, FL 33040-6115

Mortgage

Document Number	0029041003
Date	May 2, 2018
Book Page	002904/001003
Instrument	2167092

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	14 BAY DR, KEY WEST, FL 33040-6115
Document Number	0028830293
Book / Page	002883 / 000293
Instrument Date	Nov 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 BAY DR KEY WEST FL 330406115, KEY WEST, FL 33040-6115

Mortgage

Document Number	0028830293
Date	Dec 14, 2017
Book Page	002883/000293
Instrument	2147405

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 13, 2032

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	$6,163.00 (+5.6%) Homeowner's exemption	$688,324 (+5.99%)	$1,290,821 (+11.33%) Land $700,688 Building $590,133
2024	$5,836.00 (+4.2%)
2023	$5,601.00 (+2.85%) Homeowner's exemption	$649,443 (+3%)	$1,159,451 (+21.4%) Land $625,948 Building $533,503
2022	$5,446.00 Homeowner's exemption	$630,528	$955,060 Land $420,413 Building $534,647

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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