Monroe County property record for 15 Emerald Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,387 sqft · built 1984 |
| Lot Size | 0.183 acres (8,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $25,500 (Jun 1984) |
| Tax Bill | $3,569 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage Aug 2018 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00156370-000000 |
| Primary APN | 00156370-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 2,387 sqft Living Area |
| 1st Floor Area | 2,387 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,000 sqft (0.183 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 983 sqft |
| Deck Area | 720 sqft |
| Patio Area | 1,182 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1201791 |
|---|---|
| Old Parcel Number | 22672600156370000000 |
| Street Address | 15 EMERALD DR |
| City | KEY WEST |
| State | FL |
| Zip | 33040-5636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 9 LT 15 PORPOISE POINT SECTION 6 BIG COPPITT KEY PB-5-120 OR409-330-331 OR762-1733 OR914-374 |
| Legal Range | 26E |
| Legal Township | 67S |
| Legal Section | 22 |
| Legal Subdivision | PORPOISE POINT SEC 6 |
| Legal Block | 9 |
| Legal Lot Number | 15 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 971700 |
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 15 EMERALD DR, KEY WEST, FL 33040-5636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Aug 24, 2018 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Dec 16, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 1984 · Amount on Record |
| Deed Sale | Jun 1, 1984 · Amount on Record |
| Deed Document Number | 0000914374 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 15 EMERALD DR, KEY WEST, FL 33040-5636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030610836 |
|---|---|
| Date | Dec 9, 2020 |
| Book Page | 3061/836 |
| Instrument | 2293902 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 15 EMERALD DR, KEY WEST, FL 33040-5636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029231910 |
|---|---|
| Date | Aug 24, 2018 |
| Book Page | 2923/1910 |
| Instrument | 2183854 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Dec 4, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 15 EMERALD DR, KEY WEST, FL 33040-5636 |
| Document Number | 0028842144 |
| Book / Page | 002884 / 002144 |
| Instrument Date | Dec 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 EMERALD DR KEY WEST FL 330405636, KEY WEST, FL 33040-5636 |
| Document Number | 0028842144 |
|---|---|
| Date | Dec 27, 2017 |
| Book Page | 002884/002144 |
| Instrument | 2148839 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 26, 2032 |
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 | $378,426 (+5.99%) | $1,020,987 (-0.83%) Land $564,000 Building $456,987 | |
| 2024 | $3,569.00 (+5%) | ||
| 2023 | $3,399.00 (+2.72%) Homeowner's exemption | $357,050 (+3%) | $1,029,570 (+16.51%) Land $488,000 Building $541,570 |
| 2022 | $3,309.00 Homeowner's exemption | $346,651 | $883,639 Land $336,000 Building $547,639 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures