2 Cactus Dr, Apt A, Key West, FL 33040 Property Records

Monroe County property record for 2 Cactus Dr, Apt A, Key West, FL 33040

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,500 sqft · built 1985
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Sep 2017)
Tax Bill	$5,235 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2026 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00153650-000000`

Property Details

APN / Parcel Number

Primary APN	`00153650-000000`
Alternative APNs	`22672600153650000000` `1199133`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2000
Architectural Style	Duplex Single
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	400 sqft
Deck Area	240 sqft
Patio Area	408 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1199133
Street Address	2 CACTUS DR, A
City	KEY WEST
State	FL
Zip	33040-5674
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	IS
Legal Description	LT 2 SIMILAR SOUND SECTION A BIG COPPITT KEY PB3-126 OR504-398 OR772-198D/C OR1060-2079 OR1307-226/27 OR2873-12/14
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	SIMILAR SOUND SEC A
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2002
Census Tract	971700

Owner

2 Cactus Dr, Apt A is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2 CACTUS DR, A, KEY WEST, FL 33040-5674
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

Date	Document
Nov 4, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 10, 2026	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Sep 29, 2017	Grant Deed, Foreclosure · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2017 · Amount on File
Deed Sale	Sep 29, 2017 · Amount on File
Prior Sale	Jul 1, 1988 · Amount on File
Deed Document Number	20172138291
Deed Book / Page	2873 / 12
Prior Transfer Date	Aug 31, 2017
Prior Transfer Doc	0028730012
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2 CACTUS DR APT A, A, KEY WEST, FL 33040-5674
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0031351823
Date	Nov 4, 2021
Book Page	3135/1823
Instrument	2347196

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 10, 2026
Property Address	2 CACTUS DR APT A, A, KEY WEST, FL 33040-5674
Document Number	0033700615
Book / Page	3370 / 615
Map Reference	MB 3 PG 126
Instrument Date	Mar 5, 2026
Instrument	2535235
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	805 1ST ST, KEY WEST, FL 33040-5613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 1ST ST, KEY WEST, FL 33040-5613

September 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Sep 29, 2017
Property Address	2 CACTUS DR, KEY WEST, FL 33040-5674
Document Number	0028730012
Book / Page	002873 / 000012
Instrument Date	Aug 31, 2017
Instrument	2138291
Transaction Type	Foreclosure
Record Updated	Oct 24, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2009 FOGARTY AVE KEY WEST FL 330403710, KEY WEST, FL 33040-3710

Mortgage

Document Number	28730015
Date	Sep 29, 2017
Book Page	002873/000015
Instrument	2138292

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2047

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		$542,022	$681,441 Land $453,263 Building $228,178
2024	$5,235.00 (+8.34%)
2023	$4,832.00 (+9.57%) Homeowner's exemption	$505,000 (+22.72%)	$630,136 (+38.73%) Land $411,188 Building $218,948
2022	$4,410.00 Homeowner's exemption	$411,506	$454,212 Land $235,238 Building $218,974

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

Flood

FEMA maps place 2 Cactus Dr, Apt A 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

The area around 2 Cactus Dr, Apt A has no burnable land within ember reach, so its wildfire risk is not rated.

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 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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