20 Cactus Dr, Key West, FL 33040 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,324 sqft · built 2004
Lot Size	2.1 acres (91,740 sqft)
Owner	Company Name on File
Last Sale	$2,450,000 (Mar 2024)
Tax Bill	$21,459 (2024)
Deeds & Mortgages	Mar 2024 Sale
Flood Zone	Zone VE (high risk)
APN	`00154080-000000`

Property Details

APN / Parcel Number

Primary APN	`00154080-000000`
Alternative APNs	`22672600154080000000` `1199575`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,324 sqft Living Area
1st Floor Area	3,324 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2016
Exterior Material	Other
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	91,740 sqft (2.1 acres)
Garage Area	1,064 sqft

Exterior Amenities

Pool Area	396 sqft
Porch	Open Porch
Porch Area	1,185 sqft
Deck Area	691 sqft
Patio Area	5,256 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1199575
Old Parcel Number	22672600154080000000
Street Address	20 CACTUS DR
City	KEY WEST
State	FL
Zip	33040-5632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIMILAR SOUND SECTION A PB3-126 BIG COPPITT KEY PART OF TRACT B AND BAY BTM NLY OF AND ADJ TO TR B OR123-53(II DEED 21766)
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	SIMILAR SOUND SEC A
Legal Tract	B
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2001
Census Tract	971700

Owner

20 Cactus Dr is owned by a company that bought it in March 2024.

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

Owner of Record	Company Name on File
Co-owner	Co-owner on File
Mailing Address	727 LUMINA AVE S, WRIGHTSVILLE BEACH, NC 28480-2166
Owner Type	Individual, Secondary Company

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2024 · Amount on File
Deed Sale	Mar 12, 2024 · Amount on File
Prior Sale	May 5, 2015 · Amount on File
Deed Document Number	2454062
Deed Book / Page	3266 / 457
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 12, 2024
Property Address	20 CACTUS DR, KEY WEST, FL 33040-5632
Document Number	0032660457
Book / Page	3266 / 457
Map Reference	MB 3 PG 126
Instrument Date	Mar 8, 2024
Instrument	2454062
Transaction Type	Transfer
Record Updated	Apr 17, 2024

Transaction

Amount	Amount on Record
Tax	$17,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9344 W US HIGHWAY 150, WEST BADEN SPRINGS, IN 47469-9516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	727 LUMINA AVE S, WRIGHTSVILLE BEACH, NC 28480-2166

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		$2,088,585 Land $1,254,857 Building $833,728	$2,088,585 Land $1,254,857 Building $833,728
2024	$21,459.00 (-2.6%)
2023	$22,031.00 (+21.16%)	$3,225,107 (+43.2%) Land $2,244,676 Building $980,431	$3,225,107 (+43.2%) Land $2,244,676 Building $980,431
2022	$18,183.00	$2,252,125 Land $1,272,164 Building $979,961	$2,252,125 Land $1,272,164 Building $979,961

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

Flood

FEMA maps place 20 Cactus Dr in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 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

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	FL-55 “Saddlebunch Keys”
Unit Type	System Unit
Designated	Nov 16, 1990
NFIP Eligibility	Not eligible (built 2004) built after the Nov 16, 1990 cutoff · private flood insurance only

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 20 Cactus 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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20