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16F Cross St, Key West, FL 33040 Property Records

Monroe County property record for 16F Cross St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,150 sqft · built 2016
Lot Size0.084 acres (3,669 sqft)
Owner2 Individual Names on File
Last Sale$55,000 (May 1996)
Tax Bill$5,271 (2024)
Deeds & MortgagesDec 2021 Mortgage
Jul 2021 Transfer
Flood ZoneZone AE (high risk)
APN00129830-000000

Property Details

APN / Parcel Number

Primary APN00129830-000000
Alternative APNs
  • 35672500129830000000
  • 1163996

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,150 sqft Living Area
Gross Area1,568 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2019
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area3,669 sqft (0.084 acres)
Garage TypeAttached
Garage Area418 sqft
PorchUnfinished Open Porch
Porch Area192 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemForced Air with A/C

Location & Zoning

Account Number1163996
Street Address16F CROSS ST
CityKEY WEST
StateFL
Zip33040-5750
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeURM
Legal DescriptionBK F LOT 16 LINCOLN GARDENS 2 PB5-90 STOCK ISLAND OR381-396 OR928-310 OR1090-1329 OR1405-861 OR1403-2220 OR2158-1963 OR2511-285 OR2756-2046 OR2819-1899 OR3113-0856
Legal Range25E
Legal Township67S
Legal Section35
Legal SubdivisionLINCOLN GARDENS NO 2
Legal BlockF
Legal Lot Number16
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group4
Census Block4002
Census Tract971800

Owner

16F Cross St is owned by two individuals who bought it in May 1996.

Source: Monroe County records, as of December 8, 2025

Owner of Record2 Individual Names on File
Mailing Address1101 17TH ST, KEY WEST, FL 33040-4276
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Dec 15, 2021Deed of Trust, Mortgage · Conventional Mortgage
NATIONSTAR MORTGAGE LLC
Jul 19, 2021Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 16, 1996 · Amount on File
Deed SaleMay 16, 1996 · Amount on File
Prior SaleNov 1, 1984 · Amount on File
Deed Book / Page1403 / 2220
Transfer Doc1405000861
Record UpdatedOct 29, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address16F CROSS ST, KEY WEST, FL 33040-5750
Transaction TypeMortgage
Record UpdatedJan 3, 2022
Title CompanyAVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0031430902
DateDec 15, 2021
Book Page3143/902
Instrument2352973
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2052

July 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateJul 19, 2021
Property Address16F CROSS ST, KEY WEST, FL 33040-5750
Document Number0031130856
Book / Page3113 / 856
Map ReferenceMB 5 PG 90
Instrument DateJul 19, 2021
Instrument2330611
Transaction TypeTransfer
Record UpdatedAug 11, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1101 17TH ST, 1101, KEY WEST, FL 33040-4276

Transferred To (Grantee/Buyer)

NameVerified Name
Address1101 17TH ST, KEY WEST, FL 33040-4276

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$568,353 Land $302,032 Building $266,321$568,353 Land $302,032 Building $266,321
2024$5,271.00 (+7.66%)
2023$4,896.00 (+7.46%)$524,729 (+8.32%) Land $280,458 Building $244,271$524,729 (+8.32%) Land $280,458 Building $244,271
2022$4,556.00$484,439 Land $240,907 Building $243,532$484,439 Land $240,907 Building $243,532

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16F Cross St 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 294 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies332 units insured
incl. 38 condo units
Nearby Flood Claims201 (1980–2022)
Claims Outside the SFHA2 of 201
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 48 claims
  • Hurricane Wilma, Oct 2005 · 95 claims
  • Hurricane Georges, Sep 1998 · 26 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

Wildfire risk around 16F Cross St 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 279 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250

May also be available: Verizon.

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