Monroe County property record for 16 Opal Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,008 sqft · built 2010 |
| Lot Size | 0.024 acres (1,075 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Dec 2010) |
| Tax Bill | $1,792 (2024) |
| Deeds & Mortgages | Oct 2025 Second Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00155820-001600 |
| Primary APN | 00155820-001600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Plywood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 1,075 sqft (0.024 acres) |
| Porch | Open Porch |
| Porch Area | 182 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 9097863 |
|---|---|
| Street Address | 16 OPAL DR |
| City | KEY WEST |
| State | FL |
| Zip | 33040-5654 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT TR C PORPOISE POINT SECTION 4 PB5-118 (A/K/A PARCEL 16 BAYSIDE LANDING-LEASEHOLD INTEREST) OR2497-2175/2177 |
| Legal Range | 26E |
| Legal Township | 67S |
| Legal Section | 22 |
| Legal Subdivision | PORPOISE POINT SEC 4 |
| Legal Tract | C |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1008 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 16 OPAL DR, KEY WEST, FL 33040-5654 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2010 · Amount on Record |
| Deed Sale | Dec 1, 2010 · Amount on Record |
| Deed Document Number | 0024972175 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 16 OPAL DR, KEY WEST, FL 33040-5654 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 16 OPAL DR, KEY WEST, FL 33040-5654 |
| Document Number | 0033500322 |
|---|---|
| Date | Oct 20, 2025 |
| Book Page | 3350/322 |
| Instrument | 2519352 |
| Name | MONROE COUNTY |
|---|---|
| Type | Government Agency |
| Address | KEY WEST, FL 33040 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 17, 2045 |
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 | $154,376 (+5.99%) | $376,437 (+3.65%) Land $177,375 Building $199,062 | |
| 2024 | $1,792.00 (+7.43%) | ||
| 2023 | $1,668.00 (+2.65%) Homeowner's exemption | $145,657 (+3%) | $363,183 (-0.55%) Land $177,375 Building $185,808 |
| 2022 | $1,625.00 Homeowner's exemption | $141,415 | $365,199 Land $177,375 Building $187,824 |
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 243 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 245 units insured incl. 2 condo units |
| Nearby Flood Claims | 456 (1980–2022) |
| 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 174 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, T-Mobile.
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