2 Shore Dr, Key West, FL 33040 Property Records

Monroe County property record for 2 Shore Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,209 sqft · built 2005
Lot Size	0.077 acres (3,381 sqft)
Owner	Owner Name on File
Last Sale	$280,000 (Mar 2004)
Tax Bill	$3,738 (2024)
Deeds & Mortgages	Oct 2022 Mortgage Jul 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00162870-000000`

Property Details

APN / Parcel Number

Primary APN	`00162870-000000`
Alternative APNs	`08672700162870000000` `1208396`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	1,209 sqft Living Area
1st Floor Area	1,204 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2012
Exterior Material	Other
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,381 sqft (0.077 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	522 sqft
Deck Area	20 sqft
Patio Area	20 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1208396
Old Parcel Number	08672700162870000000
Street Address	2 SHORE DR
City	KEY WEST
State	FL
Zip	33040-6120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK F LT 1 BAY POINT TRAILER PARK FIRST ADDITION SADDLEBUNCH KEYS PB4-9 OR115-317 OR397-491/92 OR1057-210 OR1355-1547/48
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT TRAILER PARK 1ST ADD
Legal Block	F
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1033
Census Tract	971600

Owner

The current owner of 2 Shore Dr bought it in March 2004.

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

Owner of Record	Owner Name on File
Mailing Address	2 SHORE DR, KEY WEST, FL 33040-6120
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
Oct 11, 2022	Deed of Trust, Mortgage FIRST AMERICAN BANK
Jul 18, 2017	Deed of Trust, Mortgage · Commercial Mortgage HARBOR COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2004 · Amount on File
Deed Sale	Mar 31, 2004 · Amount on File
Prior Sale	Apr 18, 1997 · Amount on File
Deed Document Number	1434332
Deed Book / Page	1988 / 1464
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2 SHORE DR, KEY WEST, FL 33040-6120
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031970129
Date	Oct 11, 2022
Book Page	3197/129
Instrument	2393859

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Amount	Amount on Record
Term	84 Months
Due	Oct 3, 2029

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2 SHORE DR, KEY WEST, FL 33040-6120
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028642357
Date	Jul 18, 2017
Book Page	2864/2357
Instrument	2131631

Lender

Name	HARBOR COMMUNITY BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	59 Months
Due	Jun 2, 2022

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		$462,171	$768,725 Land $412,542 Building $356,183
2024	$3,738.00 (+5.27%)
2023	$3,551.00 (-3.71%) Senior Citizen's exemption	$436,065 (+3%)	$688,463 (+7.87%) Land $357,588 Building $330,875
2022	$3,688.00 Homeowner's exemption	$423,365	$638,236 Land $300,312 Building $337,924

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

Flood

FEMA maps place 2 Shore Dr 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 537 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	537 in force
Nearby Flood Claims	1,085 (1980–2022)
Claims Outside the SFHA	1 of 1,085
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 256 claims Hurricane Wilma, Oct 2005 · 486 claims Hurricane Georges, Oct 1998 · 297 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 2 Shore Dr 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 99.1% of the US · lower than 98.7% 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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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