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20 Merganser Ln, Key West, FL 33040 Property Records

Monroe County property record for 20 Merganser Ln, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 780 sqft · built 1995
Lot Size0.034 acres (1,484 sqft)
OwnerIndividual Name on File
Last Sale$370,000 (Feb 2021)
Tax Bill$4,572 (2024)
Deeds & MortgagesFeb 2021 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00072081-000110

Property Details

APN / Parcel Number

Primary APN00072081-000110
Alternative APNs
  • 26672500072081000110
  • 8876343

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories2 Stories
Building Area780 sqft Living Area
1st Floor Area780 sqft
Interior WallsWood

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 2010
Exterior MaterialOther
Construction TypeConcrete
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area1,484 sqft (0.034 acres)
PorchOpen Porch
Porch Area211 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number8876343
Old Parcel Number26672500072081000110
Street Address20 MERGANSER LN
CityKEY WEST
StateFL
Zip33040-4364
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTOWNHOME UNIT 14 KEY WEST GOLF CLUB DEVELOPMENT OR1377-750/825 OR1382-1981/1983 OR3073-2312
Legal Range25E
Legal Township67S
Legal Section26
Legal SubdivisionSTOCK ISLAND
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1024
Census Tract971900

Owner

20 Merganser Ln is owned and occupied by an individual who bought it in February 2021.

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

Owner of RecordIndividual Name on File
Mailing Address20 MERGANSER LN, KEY WEST, FL 33040-4364
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last SaleFeb 5, 2021 · Amount on File
Deed SaleFeb 5, 2021 · Amount on File
Prior SaleJan 18, 2001 · Amount on File
Deed Document Number2302822
Deed Book / Page3073 / 2312
Record UpdatedJun 8, 2026

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateFeb 5, 2021
Property Address20 MERGANSER LN, KEY WEST, FL 33040-4364
Document Number0030732312
Book / Page3073 / 2312
Map ReferenceMB 1377 PG 750
Instrument DateFeb 3, 2021
Instrument2302822
Transaction TypeTransfer
Record UpdatedJan 23, 2024
Title CompanyADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,590.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4801 ISLAND POND CT # CT1105, CT1105, BONITA SPRINGS, FL 34134-8798

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 MERGANSER LN, KEY WEST, FL 33040-4364

Mortgage

Document Number0030732316
DateFeb 5, 2021
Instrument3073/2316
Lender
NameFIRST HORIZON BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$473,420 Land $307,055 Building $166,365$473,420 Land $307,055 Building $166,365
2024$4,572.00 (+4.81%)
2023$4,362.00 (+15.98%)$511,234 (+27.28%) Land $377,453 Building $133,781$511,234 (+27.28%) Land $377,453 Building $133,781
2022$3,761.00$401,653 Land $264,367 Building $137,286$401,653 Land $264,367 Building $137,286

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

Flood

FEMA maps place 20 Merganser Ln 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 532 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies721 units insured
incl. 189 condo units
Nearby Flood Claims473 (1980–2026)
Claims Outside the SFHA3 of 473
Most Recent ClaimJun 2026 · other causes
Claims by Event
  • Hurricane Irma, Sep 2017 · 91 claims
  • Hurricane Wilma, Oct 2005 · 274 claims
  • Hurricane Georges, Oct 1998 · 56 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 20 Merganser Ln 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 RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 340 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Hotwire Communications.

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