20 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 20 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1993
Lot Size	0.201 acres (8,745 sqft)
Owner	Individual Name on Record
Last Sale	$1,250,000 (Jun 2022)
Tax Bill	$6,728 (2024)
Deeds & Mortgages	Sep 2022 Mortgage Jun 2022 Sale + 4 more
Flood Zone	Zone AE (high risk)
APN	`00160390-000000`

Property Details

APN / Parcel Number

Primary APN	`00160390-000000`
Alternative APNs	`08672700160390000000` `1205966`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,500 sqft Living Area
1st Floor Area	1,140 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	8,745 sqft (0.201 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	600 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	380 sqft
Deck Area	156 sqft
Patio Area	264 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1205966
Street Address	20 BAY DR
City	KEY WEST
State	FL
Zip	33040-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 5 LOT 10 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 OR385-223 OR716-369 OR990-1788 OR2201-1027 OR2700-1473 OR2709-1412 OR2720-1616 OR2914-806 OR2922-909 OR3096-0691 OR3096-691 OR3180-0254
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	5
Legal Lot Number	10
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20 BAY DR, KEY WEST, FL 33040-6115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA
Jun 17, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 10, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 12, 2020	Deed of Trust, Mortgage · Conventional with PMI IBERIABANK
Aug 16, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 28, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2022 · Amount on Record
Deed Sale	Jun 17, 2022 · Amount on Record
Prior Sale	May 10, 2021 · Amount on Record
Deed Document Number	20222380456
Deed Book / Page	3180 / 254
Prior Transfer Date	Jun 26, 2018
Prior Transfer Doc	0029140806
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	20 BAY DR, KEY WEST, FL 33040-6115
Transaction Type	Mortgage
Record Updated	Oct 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BAY DR, KEY WEST, FL 33040-6115

Mortgage

Document Number	0031940558
Date	Sep 15, 2022
Book Page	3194/558
Instrument	2391473

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	14.5%
Index	Other
Margin	3
Max Rate	14.5%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 17, 2022
Property Address	20 BAY DR, KEY WEST, FL 33040-6115
Document Number	0031800254
Book / Page	3180 / 254
Map Reference	MB 3 PG 75
Instrument Date	Jun 9, 2022
Instrument	2380456
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$8,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	598 SW 15TH ST, 598, BOCA RATON, FL 33432-7215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BAY DR, KEY WEST, FL 33040-6115

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 10, 2021
Property Address	20 BAY DR, KEY WEST, FL 33040-6115
Document Number	0030960691
Book / Page	3096 / 691
Map Reference	MB 3 PG 75
Instrument Date	May 10, 2021
Instrument	2318720
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$5,495.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28261 LINDA ST, 28261, SUMMERLAND KEY, FL 33042-5622

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	598 SW 15TH ST, BOCA RATON, FL 33432-7215

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	20 BAY DR, KEY WEST, FL 33040-6115
Document Number	0030270761
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BAY DR KEY WEST FL 330406115, KEY WEST, FL 33040-6115

Mortgage

Document Number	0030270761
Date	Jun 17, 2020
Book Page	003027/000761
Instrument	2269725

Lender

Name	IBERIABANK
Type	Bank
Address	LAFAYETTE, LA 70501

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2050

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Aug 16, 2018
Property Address	20 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029220909
Book / Page	002922 / 000909
Instrument Date	Jul 23, 2018
Instrument	2182620
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BAY DR KEY WEST FL 330406115, KEY WEST, FL 33040-6115

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jun 28, 2018
Property Address	20 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029140806
Book / Page	002914 / 000806
Instrument Date	Jun 26, 2018
Instrument	2175738
Transaction Type	Transfer
Record Updated	Aug 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	20 BAY DR KEY WEST FL 330406115, KEY WEST, FL 33040-6115

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		$802,431 (+6.83%)	$1,202,759 (+11.15%) Land $836,241 Building $366,518
2024	$6,728.00 (+4.81%)
2023	$6,419.00 (-0.83%) Senior Citizen's exemption	$751,131 (+5.75%)	$1,082,125 (+52.34%) Land $747,042 Building $335,083
2022	$6,473.00	$710,318 Land $401,396 Building $308,922	$710,318 Land $401,396 Building $308,922

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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 140 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

Cell Coverage

5G and 4G LTE (outdoors only)

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