Monroe County property record for 15 Bay Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,028 sqft · built 1990 |
| Lot Size | 0.17 acres (7,430 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,550,000 (Nov 2025) |
| Tax Bill | $4,576 (2024) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Feb 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00161560-000000 |
| Primary APN | 00161560-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 2,028 sqft Living Area |
| 1st Floor Area | 2,028 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Wood |
| Construction Type | Concrete |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 7,430 sqft (0.17 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,662 sqft |
| Deck Area | 24 sqft |
| Patio Area | 924 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1207128 |
|---|---|
| Old Parcel Number | 08672700161560000000 |
| Street Address | 15 BAY DR |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 13 BAY POINT FIRST ADDITION PB5-22 SADDLEBUNCH KEYS OR472-612 OR721-791 OR1066-597 OR1084-163 OR1106-2389 OR1106-2393 |
| Legal Range | 27E |
| Legal Township | 67S |
| Legal Section | 08 |
| Legal Subdivision | BAY POINT FIRST ADD |
| Legal Lot Number | 13 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 971600 |
Source: Monroe County records, as of December 23, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 15 BAY DR, KEY WEST, FL 33040-6126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2025 | Warranty Deed, Transfer · VA Mortgage COAST2COAST MORTGAGE LLC |
| Feb 3, 2017 | Deed of Trust, Mortgage · Commercial Mortgage SIMMONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2025 · Amount on Record |
| Deed Sale | Nov 18, 2025 · Amount on Record |
| Prior Sale | Mar 14, 2003 · Amount on Record |
| Deed Document Number | 2522473 |
| Deed Book / Page | 3353 / 2382 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 18, 2025 |
| Property Address | 15 BAY DR, KEY WEST, FL 33040-6126 |
| Document Number | 0033532382 |
| Book / Page | 3353 / 2382 |
| Map Reference | MB 5 PG 22 |
| Instrument Date | Oct 27, 2025 |
| Instrument | 2522473 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2025 |
| Title Company | UNKNOWN, THE CLOSING DEPARTMENT INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 27 SPOONBILL WAY, KEY WEST, FL 33040-7914 |
| Name | Verified Name |
|---|---|
| Address | 15 BAY DR, KEY WEST, FL 33040-6126 |
| Document Number | 0033532384 |
|---|---|
| Date | Nov 18, 2025 |
| Instrument | 3353/2384 |
| Name | COAST2COAST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 15 BAY DR, KEY WEST, FL 33040-6126 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028372135 |
|---|---|
| Date | Feb 3, 2017 |
| Book Page | 2837/2135 |
| Instrument | 2109308 |
| Name | SIMMONS BANK |
|---|---|
| Type | Bank |
| Address | KNOXVILLE, TN 37923 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Monroe County assessment roll, as of July 1, 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 | $534,542 (+5.99%) | $1,332,517 (-15.23%) Land $771,750 Building $560,767 | |
| 2024 | $4,576.00 (-0.02%) | ||
| 2023 | $4,577.00 (+2.74%) Homeowner's exemption | $504,348 (+3%) | $1,571,870 (+37.7%) Land $1,039,500 Building $532,370 |
| 2022 | $4,455.00 Homeowner's exemption | $489,659 | $1,141,492 Land $602,438 Building $539,054 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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 |
|
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.
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 19 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 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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