Monroe County property record for 18 Verde Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,188 sqft · built 2013 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | 2 Owner Names on Record |
| Tax Bill | $4,245 (2024) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00157240-000000 |
| Primary APN | 00157240-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,188 sqft Living Area |
| 1st Floor Area | 1,188 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 4,800 sqft (0.11 acres) |
| Lot Dimensions | 80 ft deep x 60 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1202843 |
|---|---|
| Street Address | 18 VERDE DR |
| City | KEY WEST |
| State | FL |
| Zip | 33040-5431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 4 LT 6 AND N 1/2 LT 7 GULFREST PARK PLAT 2 BIG COPPITT KEY PB4-157 OR444-432/33 OR534-505/06 OR694-10 OR877-1756D/C |
| Legal Range | 26E |
| Legal Township | 67S |
| Legal Section | 21 |
| Legal Subdivision | GULFREST PARK #2 |
| Legal Block | 4 |
| Legal Lot Number | 6-7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 3 |
| Census Block | 3014 |
| 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 | 2 Owner Names on Record |
|---|---|
| Mailing Address | 18 VERDE DR, KEY WEST, FL 33040-5431 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jan 5, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Sep 11, 2019 | Deed of Trust, Mortgage · Conventional with PMI USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2013 |
| Deed Sale | Oct 8, 2013 |
| Prior Sale | Aug 28, 2013 · Amount on Record |
| Deed Document Number | 1953187 |
| Deed Book / Page | 2653 / 1251 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 18 VERDE DR, KEY WEST, FL 33040-5431 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 18 VERDE DR, KEY WEST, FL 33040-5431 |
| Document Number | 0033602041 |
|---|---|
| Date | Jan 5, 2026 |
| Book Page | 3360/2041 |
| Instrument | 2527403 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 18 VERDE DR, KEY WEST, FL 33040-5431 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0031130537 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 3113/537 |
| Instrument | 2330547 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 18 VERDE DR, KEY WEST, FL 33040-5431 |
| Document Number | 0029882307 |
| Instrument Date | Sep 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2019 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18 VERDE DR KEY WEST FL 330405431, KEY WEST, FL 33040-5431 |
| Document Number | 0029882307 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 002988/002307 |
| Instrument | 2240059 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 9, 2049 |
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 | $494,120 (+5.99%) | $640,224 (-12.9%) Land $334,800 Building $305,424 | |
| 2024 | $4,245.00 (+4.79%) | ||
| 2023 | $4,051.00 (+5%) Homeowner's exemption | $466,209 (+5.14%) | $735,075 (+28.98%) Land $450,864 Building $284,211 |
| 2022 | $3,858.00 Homeowner's exemption | $443,407 | $569,925 Land $292,392 Building $277,533 |
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 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 |
|
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 | 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.
Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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