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21 E Circle Dr, #A, Key West, FL 33040 Property Records

Monroe County property record for 21 E Circle Dr, #A, Key West, FL 33040 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2020
Square Footage1,296 sqft Living Area
Lot Size5,500 sqft (0.126 acres)
OccupancyOwner Occupied
Last Sale$759,000 (2021)
Tax Bill$7,314.00 (2024)

Property Details

APN / Parcel Number

Primary APN00159930-000000
Alternative APN
  • 1205494

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Building Area1,296 sqft Living Area
1st Floor729 sqft 1st Floor
Stories2 Stories
Primary FlooringCeramic Tile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2020
Exterior MaterialCombination Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialAsphalt Roof
Lot Area5,500 sqft (0.126 acres)
Garage TypeCovered Garage
Garage Area576 sqft Garage

Exterior Amenities

Patio Area80 sqft Patio
PorchOpen Porch
Porch Area124 sqft Porch
Boat AccessBoat Access

Utilities and HVAC

Cooling SystemWall Unit Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Account Number1205494
Street Address21 E CIRCLE DR, A
CityKEY WEST
StateFL
Zip33040-6106
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionBK 1 N 1/2 LT 11 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 (A/K/A RESIDENTIAL UNIT 21A BAY POINT HOMEOWNERS ASSOCIATION) OR123-138 OR640-811 OR710-254 OR779-147 OR771-337 OR780-579 OR804-1153 OR804-1155 OR843-275 OR1042-1432 OR1396-1329 OR1644-3
Legal Range27E
Legal Township67S
Legal Section08
Legal SubdivisionBAY POINT AMD PLAT
Legal Block1
Legal Lot Number11
JurisdictionMONROE FL
Minor Civil DivisionLOWER KEYS
Census Blockgroup1
Census Block1039
Census Tract971600

Owner

Source: Monroe County records · APN 00159930-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address21 E CIRCLE DR, A, KEY WEST, FL 33040-6106
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Deed of Trust, Mortgage
May 20, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Nov 13, 2018Warranty Deed, Transfer · Conventional Mortgage
IBERIABANK
Sep 06, 2018Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM)
CENTENNIAL BANK
Jul 13, 2017Warranty Deed, Transfer
WRJ SALES INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 20, 2021 · Amount on Record
Deed SaleMay 20, 2021 · Amount on Record
Prior SaleNov 13, 2018 · Amount on Record
Deed Doc Number20212320689
Deed Book / Page3099 / 86
Transfer Doc0016440030
Record RefreshedJun 08, 2026

: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address21 E CIRCLE DR # A, A, KEY WEST, FL 33040-6106
Transaction TypeMortgage
Record UpdatedJan 26, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 20, 2021
Property Address21 E CIRCLE DR # A, A, KEY WEST, FL 33040-6106
Document Number0030990086
Book / Page3099 / 86
Map ReferenceMB 3 PG 75
Instrument DateMay 10, 2021
Instrument2320689
Transaction TypeTransfer
Record UpdatedJan 26, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$5,313.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address201 COPPITT RD # RD204C, RD204C, KEY WEST, FL 33040-5432

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 E CIRCLE DR, STOCK ISLAND, FL 33040-6106

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateNov 13, 2018
Property Address21 E CIRCLE DR # A, A, KEY WEST, FL 33040-6106
Document Number0029351574
Book / Page2935 / 1574
Map ReferenceMB3 PG75
Instrument DateNov 01, 2018
Instrument2193999
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,445.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3152 NORTHSIDE DR, 3152, KEY WEST, FL 33040-8006

Transferred To (Grantee/Buyer)

NameVerified Name
Address201 COPPITT RD APT 204C, 204C, KEY WEST, FL 33040-5471

Mortgage

Document Number0002194000
DateNov 13, 2018
Instrument2194000
Lender
NameIBERIABANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2048

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 06, 2018
Property Address21 E CIRCLE DR # A, A, KEY WEST, FL 33040-6106
Document Number0029251202
Book / Page2925 / 1202
Map ReferenceMB3 PG75
Instrument DateAug 31, 2018
Instrument2185350
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,410.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3152 NORTHSIDE DR # DR101B, 3152, KEY WEST, FL 33040-8006

Transferred To (Grantee/Buyer)

NameVerified Name
Address10875 ENCINO DR, OAK VIEW, CA 93022-9245

Mortgage

Document Number0002185351
DateSep 06, 2018
Instrument2185351
Lender
NameCENTENNIAL BANK
TypeBank
Agreement
TypeAdjustable Rate Mortgage (ARM)
AmountAmount Recorded
Term240 Months
DueSep 01, 2038
Interest
Rate TypeAdjustable Rate
Type Change DateSep 01, 2023
Change FrequencyAnnually
Min Rate At Change3.75%
Max Rate At Change7.75%
Index1-Year CMT
Max Rate11.7%

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 13, 2017
Property Address21 E CIRCLE DR # A, A, KEY WEST, FL 33040-6106
Document Number0028640837
Book / Page002864 / 000837
Instrument DateJul 12, 2017
Instrument2131086
Transaction TypeTransfer
Record UpdatedJul 28, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,150.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3152 NORTHSIDE DR #101B KEY WEST FL 330408006, 101B, KEY WEST, FL 33040-8006

Mortgage

Document Number28640839
DateJul 13, 2017
Book Page002864/000839
Instrument2131087
Lender
NameWRJ SALES INC
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$824,213 (-17%) Land $543,312 Building $280,901$824,213 (-17%) Land $543,312 Building $280,901
2024$7,314.00 (-3.05%)
2023$7,544.00 (+20.05%)$993,045 (+44.33%) Land $731,808 Building $261,237$993,045 (+44.33%) Land $731,808 Building $261,237
2022$6,284.00$688,047 Land $424,116 Building $263,931$688,047 Land $424,116 Building $263,931

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation8.0 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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