18 el Monte Ln, Key West, FL 33040 Property Records

Monroe County property record for 18 el Monte Ln, Key West, FL 33040

Property Summary

Property Type	Residential Vacant Land
Details	2 bd · 1 ba · 1,071 sqft · built 1978
Lot Size	0.073 acres (3,200 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Sep 2022)
Tax Bill	$2,380 (2024)
Deeds & Mortgages	Oct 2022 Second Mortgage Sep 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00157380-000000`

Property Details

APN / Parcel Number

Primary APN	`00157380-000000`
Alternative APNs	`21672600157380000000` `1202975`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,071 sqft
1st Floor Area	1,071 sqft

Exterior

Year Built	Built 1978
Exterior Material	Wood Frame
Lot Area	3,200 sqft (0.073 acres)
Lot Dimensions	80 ft deep x 40 ft wide
Patio Area	288 sqft

Location & Zoning

Account Number	1202975
Old Parcel Number	21672600157380000000
Street Address	18 EL MONTE LN
City	KEY WEST
State	FL
Zip	33040-5416
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	BK 4 LT 20 GULFREST PARK PLAT 2 BIG COPPITT KEY PB4-157 OR585-170 OR924-2241 OR1359-1557/58 OR1882-1743/44 OR1882-1746/50
Legal Range	26E
Legal Township	67S
Legal Section	21
Legal Subdivision	GULFREST PARK #2
Legal Block	4
Legal Lot Number	20
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3014
Census Tract	971700

Owner

18 el Monte Ln, residential vacant land, is owned by an individual who bought it in September 2022.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	352 BOCA CHICA RD, KEY WEST, FL 33040-6358
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

Date	Document
Oct 21, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PHILIP OWEN ETUX
Sep 12, 2022	Warranty Deed, Transfer PHILIP OWEN ETUX
Jul 31, 2019	Warranty Deed, Transfer · Conventional Mortgage KEVIN M JR O'DWYER
Feb 3, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2022 · Amount on File
Deed Sale	Sep 12, 2022 · Amount on File
Prior Sale	Jul 31, 2019 · Amount on File
Deed Document Number	2391042
Deed Book / Page	3193 / 1867
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	18 EL MONTE LN, KEY WEST, FL 33040-5416
Transaction Type	Mortgage
Record Updated	Nov 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	352 BOCA CHICA RD, KEY WEST, FL 33040-6358

Mortgage

Document Number	0031981165
Date	Oct 21, 2022
Book Page	3198/1165
Instrument	2395119

Lender

Name	PHILIP OWEN ETUX
Type	Private Party
Address	9375 RIDGE RD, GOODRICH, MI 48438

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 12, 2022
Property Address	18 EL MONTE LN, KEY WEST, FL 33040-5416
Document Number	0031931867
Book / Page	3193 / 1867
Map Reference	MB 4 PG 157
Instrument Date	Sep 9, 2022
Instrument	2391042
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	BAYSHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1105 W PLYMOUTH ST, 1105, TAMPA, FL 33603-5215

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	352 BOCA CHICA RD, KEY WEST, FL 33040-6358

Mortgage

Document Number	0031931869
Date	Sep 12, 2022
Instrument	3193/1869

Lender

Name	PHILIP OWEN ETUX
Type	Private Party

Agreement

Amount	Amount on Record

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 31, 2019
Property Address	18 EL MONTE LN, KEY WEST, FL 33040-5416
Document Number	0029771155
Book / Page	002977 / 001155
Instrument Date	Jul 3, 2019
Instrument	2230694
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	GULF STREAM TITLE COMPANY, GULF STREAM TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1105 W PLYMOUTH ST TAMPA FL 336035215, TAMPA, FL 33603-5215

Mortgage

Document Number	29771157
Date	Jul 31, 2019
Book Page	002977/001157
Instrument	2230695

Lender

Name	KEVIN M JR O'DWYER
Address	7 DIAMOND DR, KEY WEST, FL 33040-5633

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 30, 2024

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 3, 2017
Property Address	18 EL MONTE LN, KEY WEST, FL 33040-5416
Document Number	0028371774
Book / Page	002837 / 001774
Instrument Date	Feb 2, 2017
Instrument	2109175
Transaction Type	Transfer
Record Updated	Mar 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,575.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1429 OAK FOREST DR ORMOND BEACH FL 321743407, ORMOND BEACH, FL 32174-3407

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		$255,380 Land $246,120 Building $9,260	$255,380 Land $246,120 Building $9,260
2024	$2,380.00 (-8.11%)
2023	$2,590.00 (+58.7%)	$306,191 (+51.4%) Land $296,520 Building $9,671	$306,191 (+51.4%) Land $296,520 Building $9,671
2022	$1,632.00	$202,237 Land $192,360 Building $9,877	$202,237 Land $192,360 Building $9,877

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

Flood

FEMA maps place 18 el Monte Ln 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 233 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	272 units insured incl. 39 condo units
Nearby Flood Claims	287 (1980–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 49 claims Hurricane Wilma, Oct 2005 · 166 claims Hurricane Georges, Oct 1998 · 50 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 18 el Monte Ln 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 98% of the US · lower than 97.6% 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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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