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

Monroe County property record for 2 el Monte Ln, Key West, FL 33040

Property Summary

Property Type	Residential Vacant Land
Details	1 bd · 1 ba · 480 sqft · built 1962
Lot Size	0.096 acres (4,200 sqft)
Owner	2 Owner Names on Record
Last Sale	$145,000 (Jun 2014)
Tax Bill	$2,598 (2024)
Deeds & Mortgages	Mar 2020 Loan Modification Mar 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00157460-000000`

Property Details

APN / Parcel Number

Primary APN	`00157460-000000`
Alternative APNs	`21672600157460000000` `1203050`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	480 sqft
1st Floor Area	480 sqft

Exterior

Year Built	Built 1962
Exterior Material	Ribbed Aluminum
Lot Area	4,200 sqft (0.096 acres)
Lot Dimensions	105 ft deep x 40 ft wide

Exterior Amenities

Porch	Porch
Porch Area	240 sqft
Deck Area	360 sqft
Patio Area	360 sqft

Location & Zoning

Account Number	1203050
Old Parcel Number	21672600157460000000
Street Address	2 EL MONTE LN
City	KEY WEST
State	FL
Zip	33040-5416
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	BK 4 LT 28 GULFREST PARK PLAT #2 BIG COPPITT KEY PB4-157 OR499-274 OR759-1196 OR1042-1782 OR2689-489/91
Legal Range	26E
Legal Township	67S
Legal Section	21
Legal Subdivision	GULFREST PARK #2
Legal Block	4
Legal Lot Number	28
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3014
Census Tract	971700

Owner

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	PO BOX 5147, LOUISVILLE, KY 40255-0147

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2020	Loan Modification, Mortgage US SMALL BUSINESS ADMINISTRATI
Mar 15, 2019	Deed of Trust, Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2014 · Amount on Record
Deed Sale	Jun 12, 2014 · Amount on Record
Deed Document Number	1985781
Deed Book / Page	2689 / 0489
Record Updated	Jun 8, 2026

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	2 EL MONTE LN, KEY WEST, FL 33040-5416
Document Number	0030220285
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 13, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 5147 LOUISVILLE KY 402550147, LOUISVILLE, KY 40255-0147

Mortgage

Document Number	0030220285
Date	May 13, 2020
Book Page	003022/000285
Instrument	2265836

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount Recorded
Term	336 Months
Due	May 12, 2048

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2 EL MONTE LN, KEY WEST, FL 33040-5416
Document Number	0029622061
Instrument Date	Mar 15, 2019
Transaction Type	Mortgage
Record Updated	Jul 13, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 5147 LOUISVILLE KY 402550147, LOUISVILLE, KY 40255-0147

Mortgage

Document Number	0029622061
Date	May 7, 2019
Book Page	002962/002061
Instrument	2218795

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 6, 2049

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		$309,360 (-16.92%) Land $307,650 Building $1,710	$309,360 (-16.92%) Land $307,650 Building $1,710
2024	$2,598.00 (+3.67%)
2023	$2,506.00 (+22.9%)	$372,360 (+53.77%) Land $370,650 Building $1,710	$372,360 (+53.77%) Land $370,650 Building $1,710
2022	$2,039.00	$242,160 Land $240,450 Building $1,710	$242,160 Land $240,450 Building $1,710

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	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	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

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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