Monroe County property record for 15 Cactus Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 886 sqft · built 1959 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $578,000 (Jul 2025) |
| Tax Bill | $2,962 (2024) |
| Deeds & Mortgages | Feb 2022 Mortgage Apr 2024 Line of Credit + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00153780-000000 |
| Primary APN | 00153780-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 886 sqft Living Area |
| 1st Floor Area | 886 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| 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 |
| Porch | Open Porch |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 36 sqft |
| Patio Area | 36 sqft |
| Account Number | 1199265 |
|---|---|
| Old Parcel Number | 22672600153780000000 |
| Street Address | 15 CACTUS DR |
| City | KEY WEST |
| State | FL |
| Zip | 33040-5632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC/TWN/RNG/MER:SEC 22 TWN 67S RNG 26E |
| Legal Range | 26E |
| Legal Township | 67S |
| Legal Section | 22 |
| Legal Subdivision | SIMILAR SOUND SEC A |
| Legal Lot Number | 15 |
| Jurisdiction | MONROE FL |
15 Cactus Dr is owned and occupied by an individual who bought it in July 2025.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 20 EMERALD DR, KEY WEST, FL 33040-5636 |
| 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.
| Date | Document |
|---|---|
| Feb 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Apr 24, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| Jul 25, 2025 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| May 11, 2020 | Warranty Deed, Transfer · FHA Mortgage IBERIABANK |
| Aug 27, 2018 | Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2025 · Amount on File |
| Deed Sale | Jul 25, 2025 · Amount on File |
| Prior Sale | May 11, 2020 · Amount on File |
| Deed Document Number | 2509350 |
| Deed Book / Page | 3337 / 402 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 15 CACTUS DR, KEY WEST, FL 33040-5632 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|---|
| Address | 15 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0031522063 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 3152/2063 |
| Instrument | 2359802 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 15 CACTUS DR, KEY WEST, FL 33040-5632 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|---|
| Address | 15 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0032721737 |
|---|---|
| Date | Apr 24, 2024 |
| Book Page | 3272/1737 |
| Instrument | 2459235 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | 3618 N ROOSEVELT BLVD, KEY WEST, FL 33040 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 23, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 25, 2025 |
| Property Address | 15 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0033370402 |
| Book / Page | 3337 / 402 |
| Map Reference | MB 3 PG 126 |
| Instrument Date | Jul 24, 2025 |
| Instrument | 2509350 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $4,046.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15 CACTUS DR, KEY WEST, FL 33040-5632 |
| Name | Verified Name |
|---|---|
| Address | 20 EMERALD DR, KEY WEST, FL 33040-5636 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 11, 2020 |
| Property Address | 15 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0030211590 |
| Book / Page | 003021 / 001590 |
| Instrument Date | May 5, 2020 |
| Instrument | 2265590 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 CACTUS DR KEY WEST FL 330405632, KEY WEST, FL 33040-5632 |
| Document Number | 30211595 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 003021/001595 |
| Instrument | 2265593 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | LAFAYETTE, LA 70501 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 10, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 15 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0029282182 |
| Instrument Date | Aug 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2018 |
| Name | Verified Name |
|---|---|
| Address | 15 CACTUS DR KEY WEST FL 330405632, KEY WEST, FL 33040-5632 |
| Document Number | 0029282182 |
|---|---|
| Date | Sep 26, 2018 |
| Book Page | 002928/002182 |
| Instrument | 2188240 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 25, 2048 |
| Rate | 4% |
|---|
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 | $342,551 | $476,214 Land $307,913 Building $168,301 | |
| 2024 | $2,962.00 | ||
| 2022 | $2,716.00 Senior Citizen's exemption | $313,788 | $410,972 Land $240,975 Building $169,997 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 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
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 15 Cactus Dr is low, with less than a 0.01% annual chance of 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.
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 |
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