21D 10th Ave, Key West, FL 33040 Property Records

Monroe County property record for 21D 10th Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,300 sqft · built 2006
Lot Size	0.081 acres (3,570 sqft)
Owner	Individual Name on Record
Last Sale	$469,000 (Mar 2018)
Tax Bill	$3,813 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00128880-000000`

Property Details

APN / Parcel Number

Primary APN	`00128880-000000`
Alternative APNs	`35672500128880000000` `1163040`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Exterior Material	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,570 sqft (0.081 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	98 sqft
Deck Area	48 sqft
Patio Area	698 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1163040
Old Parcel Number	35672500128880000000
Street Address	21D 10TH AVE
City	KEY WEST
State	FL
Zip	33040-5868
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK D LT 21 LINCOLN GARDENS 2 PB5-90 STOCK ISLAND OR590-576 OR754-1920 OR809-349 OR858-2353 OR1011-657 OR2000-1786/87
Legal Range	25E
Legal Township	67S
Legal Section	35
Legal Subdivision	LINCOLN GARDENS NO 2
Legal Block	D
Legal Lot Number	21
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	4
Census Block	4010
Census Tract	971800

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	21 10TH AVE # D, D, KEY WEST, FL 33040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage AXIA FINANCIAL LLC
Apr 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 28, 2018	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2018 · Amount on Record
Deed Sale	Mar 28, 2018 · Amount on Record
Prior Sale	Apr 7, 2015 · Amount on Record
Deed Document Number	2161720
Deed Book / Page	2898 / 1187
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	21D 10TH AVE, KEY WEST, FL 33040-5868
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21D 10TH AVE, KEY WEST, FL 33040-5868

Mortgage

Document Number	0031090939
Date	Jun 30, 2021
Book Page	3109/939
Instrument	2328056

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Apr 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	21D 10TH AVE, KEY WEST, FL 33040-5868
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031410288
Date	Dec 3, 2021
Book Page	3141/288
Instrument	2351242

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company
Address	BELLEVUE, WA 98004

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	21D 10TH AVE, KEY WEST, FL 33040-5868
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030162068
Date	Apr 3, 2020
Book Page	3016/2068
Instrument	2262281

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 28, 2018
Property Address	21D 10TH AVE, KEY WEST, FL 33040-5868
Document Number	0028981187
Book / Page	2898 / 1187
Map Reference	MB5 PG90
Instrument Date	Mar 27, 2018
Instrument	2161720
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,283.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2824 FOGARTY AVE, 2824, KEY WEST, FL 33040-4036

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 10TH AVE, KEY WEST, FL 33040

Mortgage

Document Number	0002161721
Date	Mar 28, 2018
Instrument	2161721

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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		$441,390 (+5.99%)	$604,025 (+7.82%) Land $299,880 Building $304,145
2024	$3,813.00 (+5.04%)
2023	$3,630.00 (+2.95%) Homeowner's exemption	$416,458 (+3%)	$560,206 (+6.21%) Land $278,460 Building $281,746
2022	$3,526.00 Homeowner's exemption	$404,329	$527,456 Land $239,190 Building $288,266

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 294 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	332 units insured incl. 38 condo units
Nearby Flood Claims	201 (1980–2022)
Claims Outside the SFHA	2 of 201
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 48 claims Hurricane Wilma, Oct 2005 · 95 claims Hurricane Georges, Sep 1998 · 26 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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