20 Emerald Dr, Key West, FL 33040 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,725 sqft · built 2004
Lot Size	0.183 acres (8,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$740,000 (Mar 2018)
Tax Bill	$8,523 (2024)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00156420-000000`

Property Details

APN / Parcel Number

Primary APN	`00156420-000000`
Alternative APNs	`22672600156420000000` `1201847`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,725 sqft Living Area
1st Floor Area	1,316 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,000 sqft (0.183 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	656 sqft
Deck Area	440 sqft
Patio Area	878 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1201847
Old Parcel Number	22672600156420000000
Street Address	20 EMERALD DR
City	KEY WEST
State	FL
Zip	33040-5636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 9 LT 20 PORPOISE POINT SECTION 6 PB5-120 BIG COPPITT KEY OR445-649-650-Q OR837-451 OR1699-1905/06 OR1841-2139C
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	PORPOISE POINT SEC 6
Legal Block	9
Legal Lot Number	20
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2002
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 Individual Names on Record
Mailing Address	20 EMERALD DR, KEY WEST, FL 33040-5636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2018 · Amount on Record
Deed Sale	Mar 1, 2018 · Amount on Record
Prior Sale	Jun 1, 2001 · Amount on Record
Deed Document Number	2157534
Deed Book / Page	2894 / 0049
Record Updated	Jun 8, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 1, 2018
Property Address	20 EMERALD DR, KEY WEST, FL 33040-5636
Document Number	0028940049
Book / Page	002894 / 000049
Instrument Date	Feb 26, 2018
Instrument	2157534
Transaction Type	Transfer
Record Updated	Mar 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,180.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	28940051
Date	Mar 1, 2018
Book Page	002894/000051
Instrument	2157535

Lender

Name	TODD & SUZANNE GREAGER
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$964,609 (+3.32%) Land $564,000 Building $400,609	$964,609 (+3.32%) Land $564,000 Building $400,609
2024	$8,523.00 (+9.68%)
2023	$7,771.00 (+11.57%)	$933,577 (+18.55%) Land $488,000 Building $445,577	$933,577 (+18.55%) Land $488,000 Building $445,577
2022	$6,965.00	$787,491 Land $336,000 Building $451,491	$787,491 Land $336,000 Building $451,491

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 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

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 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