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

Monroe County property record for 19 el Monte Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,160 sqft · built 2006
Lot Size	0.064 acres (2,800 sqft)
Owner	Owner Name on File
Last Sale	$300,000 (Jul 2014)
Tax Bill	$3,043 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2022 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00157050-000000`

Property Details

APN / Parcel Number

Primary APN	`00157050-000000`
Alternative APNs	`21672600157050000000` `1202657`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,160 sqft Living Area
1st Floor Area	1,160 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,800 sqft (0.064 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	283 sqft
Patio Area	51 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1202657
Old Parcel Number	21672600157050000000
Street Address	19 EL MONTE LN
City	KEY WEST
State	FL
Zip	33040-5415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 LT 14 GULFREST PARK PB4-119 BIG COPPITT KEY OR694-10 OR805-1504 OR1941-2227 OR2060-471/73 OR2269-325/26 OR2540-119/35
Legal Range	26E
Legal Township	67S
Legal Section	21
Legal Subdivision	GULFREST PARK
Legal Block	3
Legal Lot Number	14
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3023
Census Tract	971700

Owner

The current owner of 19 el Monte Ln bought it in July 2014.

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

Owner of Record	Owner Name on File
Mailing Address	19 EL MONTE LN, KEY WEST, FL 33040-5415
Occupancy	Owner Occupied

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
Nov 16, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Oct 31, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Feb 11, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Aug 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC

Assessor's Deed Record

Last Sale	Jul 24, 2014 · Amount on File
Deed Sale	Jul 24, 2014 · Amount on File
Prior Sale	Apr 15, 2013 · Amount on File
Deed Document Number	1991478
Deed Book / Page	2695 / 1534
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	19 EL MONTE LN, KEY WEST, FL 33040-5415
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031372101
Date	Nov 16, 2021
Book Page	3137/2101
Instrument	2348820

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Jun 1, 2051

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	19 EL MONTE LN, KEY WEST, FL 33040-5415
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031991897
Date	Oct 31, 2022
Book Page	3199/1897
Instrument	2396122

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2047

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	19 EL MONTE LN, KEY WEST, FL 33040-5415
Document Number	0029522347
Instrument Date	Feb 11, 2019
Transaction Type	Mortgage
Record Updated	Apr 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 EL MONTE LN KEY WEST FL 330405415, KEY WEST, FL 33040-5415

Mortgage

Document Number	0029522347
Date	Mar 11, 2019
Book Page	002952/002347
Instrument	2210220

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 10, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	19 EL MONTE LN, KEY WEST, FL 33040-5415
Document Number	0028711505
Book / Page	002871 / 001505
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Sep 25, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	19 EL MONTE LN KEY WEST FL 330405415, KEY WEST, FL 33040-5415

Mortgage

Document Number	0028711505
Date	Aug 31, 2017
Book Page	002871/001505
Instrument	2137190

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 30, 2037

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		$319,310	$487,195 Land $226,800 Building $260,395
2024	$3,043.00 (+5.48%)
2023	$2,885.00 (+2.78%) Senior Citizen's exemption	$301,273 (+3%)	$534,477 (+20.31%) Land $290,304 Building $244,173
2022	$2,807.00 Senior Citizen's exemption	$292,499	$444,233 Land $194,292 Building $249,941

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

Flood

FEMA maps place 19 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 19 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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