18 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 18 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,806 sqft · built 1986
Lot Size	0.211 acres (9,176 sqft)
Owner	Individual Name on Record
Last Sale	$572,000 (Dec 2015)
Tax Bill	$5,504 (2024)
Deeds & Mortgages	Jun 2020 Mortgage May 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00160380-000000`

Property Details

APN / Parcel Number

Primary APN	`00160380-000000`
Alternative APNs	`08672700160380000000` `1205958`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,806 sqft Living Area
1st Floor Area	1,806 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2014
Exterior Material	Wood
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	9,176 sqft (0.211 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	396 sqft

Exterior Amenities

Pool Area	240 sqft
Porch	Open Porch
Porch Area	516 sqft
Deck Area	960 sqft
Patio Area	1,224 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1205958
Street Address	18 BAY DR
City	KEY WEST
State	FL
Zip	33040-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 5 LT 9 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 OR385-223/24 OR716-369 OR790-1152 OR805-623 OR924-405 OR1246-237/40 OR1265-441 OR1368-108 OR2493-97 OR2496-285/87 OR2767-2161/62 OR2774-432/33 OR3027-2156 OR3061-1702
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	5
Legal Lot Number	9
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 8, 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	18 BAY DR, KEY WEST, FL 33040-6115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
May 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2015 · Amount on Record
Deed Sale	Dec 17, 2015 · Amount on Record
Prior Sale	Nov 3, 2015 · Amount on Record
Deed Document Number	20152057058
Deed Book / Page	2774 / 432
Last Transfer Date	Jun 15, 2020
Transfer Doc	0030272156
Record Updated	Jun 8, 2026

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jun 19, 2020
Property Address	18 BAY DR, KEY WEST, FL 33040-6115
Document Number	0030272156
Book / Page	3027 / 2156
Map Reference	MB 3 PG 75
Instrument Date	Jun 15, 2020
Instrument	2270169
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 BAY DR, KEY WEST, FL 33040-6115

Mortgage

Document Number	30272159
Date	Jun 19, 2020
Instrument	3027/2159

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	18 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029081374
Instrument Date	May 14, 2018
Transaction Type	Mortgage
Record Updated	Jul 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18 BAY DR KEY WEST FL 330406115, KEY WEST, FL 33040-6115

Mortgage

Document Number	0029081374
Date	May 25, 2018
Book Page	002908/001374
Instrument	2170766

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2048

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		$647,782 (+5.99%)	$1,102,828 (+11.5%) Land $695,082 Building $407,746
2024	$5,504.00 (+0.42%)
2023	$5,481.00 (+2.74%) Homeowner's exemption	$611,191 (+3%)	$989,118 (+24.73%) Land $620,940 Building $368,178
2022	$5,335.00 Homeowner's exemption	$593,390	$793,005 Land $417,049 Building $375,956

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

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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