17 Cactus Dr, Key West, FL 33040 Property Records

Monroe County property record for 17 Cactus Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,320 sqft · built 1982
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (Dec 2022)
Tax Bill	$5,381 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00153800-000000`

Property Details

APN / Parcel Number

Primary APN	`00153800-000000`
Alternative APNs	`22672600153800000000` `1199281`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,320 sqft Living Area
1st Floor Area	2,070 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Porch	Open Porch
Porch Area	560 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1199281
Street Address	17 CACTUS DR
City	KEY WEST
State	FL
Zip	33040-5632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 17 SIMILAR SOUND SECTION A BIG COPPITT KEY PB3-126 OR74-222/25 OR791-101 OR818-1810 OR959-1146/AFF OR990-515AFF OR1055-2258 OR2650-264/25 OR3203-2419
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	SIMILAR SOUND SEC A
Legal Lot Number	17
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2002
Census Tract	971700

Owner

17 Cactus Dr is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	17 CACTUS DR, KEY WEST, FL 33040-5632
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2022 · Amount on File
Deed Sale	Dec 7, 2022 · Amount on File
Prior Sale	Jun 1, 1988 · Amount on File
Deed Document Number	20222399758
Deed Book / Page	3203 / 2419
Prior Transfer Date	Sep 9, 2013
Prior Transfer Doc	0026500264
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 7, 2022
Property Address	17 CACTUS DR, KEY WEST, FL 33040-5632
Document Number	0032032419
Book / Page	3203 / 2419
Map Reference	MB 3 PG 126
Instrument Date	Dec 5, 2022
Instrument	2399758
Transaction Type	Transfer
Record Updated	Dec 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11521 SW 134TH AVE, MIAMI, FL 33186-4339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 CACTUS DR, KEY WEST, FL 33040-5632

Mortgage

Document Number	0032032425
Date	Dec 7, 2022
Instrument	3203/2425

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$539,901 Land $304,894 Building $235,007	$539,901 Land $304,894 Building $235,007
2024	$5,381.00 (+0.64%)
2023	$5,347.00 (+10.07%)	$545,790 (+4.65%) Land $276,488 Building $269,302	$545,790 (+4.65%) Land $276,488 Building $269,302
2022	$4,858.00	$521,531 Land $238,613 Building $282,918	$521,531 Land $238,613 Building $282,918

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

Flood

FEMA maps place 17 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 · 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 File 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	Hurricane Irma, Sep 2017 · 51 claims Hurricane Wilma, Oct 2005 · 166 claims Hurricane Georges, Sep 1998 · 58 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 17 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.

Internet Providers

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