16 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 16 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 2,538 sqft · built 2006
Lot Size	0.218 acres (9,525 sqft)
Owner	Individual Name on Record
Last Sale	$2,150,000 (Oct 2022)
Tax Bill	$12,978 (2024)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2021 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`00160370-000000`

Property Details

APN / Parcel Number

Primary APN	`00160370-000000`
Alternative APNs	`08672700160370000000` `1205940`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,538 sqft Living Area
1st Floor Area	2,538 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2020
Exterior Material	Other
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	9,525 sqft (0.218 acres)

Exterior Amenities

Pool Area	200 sqft
Porch	Open Porch
Porch Area	723 sqft
Deck Area	222 sqft
Patio Area	222 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1205940
Old Parcel Number	08672700160370000000
Street Address	16 BAY DR
City	KEY WEST
State	FL
Zip	33040-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 5 LT 8 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 OR124-524 OR540-451 OR621-422 OR834-308 OR871-755 OR937-1097
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	5
Legal Lot Number	8
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 December 5, 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
Mailing Address	16 BAY DR, KEY WEST, FL 33040-6115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 28, 2021	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Jun 10, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 30, 2019	Warranty Deed, Transfer · Conventional Mortgage CAPITAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2022 · Amount on Record
Deed Sale	Oct 5, 2022 · Amount on Record
Prior Sale	Jul 28, 2021
Deed Document Number	2393438
Deed Book / Page	3196 / 1426
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 5, 2022
Property Address	16 BAY DR, KEY WEST, FL 33040-6115
Document Number	0031961426
Book / Page	3196 / 1426
Map Reference	MB 3 PG 75
Instrument Date	Sep 28, 2022
Instrument	2393438
Transaction Type	Transfer
Record Updated	Oct 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5408 N KEDZIE AVE, 5408, CHICAGO, IL 60625-9029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 BAY DR, KEY WEST, FL 33040-6115

Mortgage

Document Number	0031961428
Date	Oct 5, 2022
Instrument	3196/1428

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jul 28, 2021
Property Address	16 BAY DR, KEY WEST, FL 33040-6115
Document Number	0031151639
Book / Page	3115 / 1639
Map Reference	MB 3 PG 75
Instrument Date	Jul 1, 2021
Instrument	2332333
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5408 N KEDZIE AVE, CHICAGO, IL 60625-3922

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 10, 2021
Property Address	16 BAY DR, KEY WEST, FL 33040-6115
Document Number	0031040844
Book / Page	3104 / 844
Map Reference	MB 3 PG 75
Instrument Date	Jun 8, 2021
Instrument	2324438
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$7,343.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3100 HARVEST MOON DR, 3100, PALM HARBOR, FL 34683-2123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 BAY DR, KEY WEST, FL 33040-6115

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 30, 2019
Property Address	16 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029870140
Book / Page	2987 / 0140
Map Reference	MB 3 PG 75
Instrument Date	Sep 25, 2019
Instrument	2238567
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,355.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	205 W HALL CT, 205, EARLY, TX 76802-1500

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	16 BAY DR, KEY WEST, FL 33040-6115

Mortgage

Document Number	0029870142
Date	Sep 30, 2019
Instrument	2987-0142

Lender

Name	CAPITAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$1,795,217 (+8.32%) Land $937,974 Building $857,243	$1,795,217 (+8.32%) Land $937,974 Building $857,243
2024	$12,978.00 (-10.37%)
2023	$14,479.00 (+78.47%)	$1,657,324 (+83.43%) Land $837,924 Building $819,400	$1,657,324 (+83.43%) Land $837,924 Building $819,400
2022	$8,113.00	$903,496 Land $432,911 Building $470,585	$903,496 Land $432,911 Building $470,585

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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