22 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 22 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,568 sqft · built 1987
Lot Size	0.188 acres (8,225 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Feb 2019)
Tax Bill	$4,773 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2019 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`00160400-000000`

Property Details

APN / Parcel Number

Primary APN	`00160400-000000`
Alternative APNs	`08672700160400000000` `1205974`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	8,225 sqft (0.188 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	860 sqft
Deck Area	720 sqft
Patio Area	720 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1205974
Old Parcel Number	08672700160400000000
Street Address	22 BAY DR
City	KEY WEST
State	FL
Zip	33040-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 5 LT 11 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 OR130-249 OR283-61/62 OR828-1028 OR882-575 OR1821-259/60
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	5
Legal Lot Number	11
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

22 Bay Dr is owned and occupied by an individual who bought it in February 2019.

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

Owner of Record	Individual Name on File
Mailing Address	22 BAY DR, KEY WEST, FL 33040-6115
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Oct 5, 2020	Deed of Trust, Mortgage · Conventional with PMI HAMILTON HM LNS INC
Feb 25, 2019	Grant Deed, Transfer BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY
Jun 22, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY
Jun 8, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2019 · Amount on File
Deed Sale	Feb 25, 2019 · Amount on File
Prior Sale	Jun 22, 2018 · Amount on File
Deed Document Number	2208181
Deed Book / Page	2950 / 1601
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	22 BAY DR, KEY WEST, FL 33040-6115
Document Number	0030511820
Instrument Date	Oct 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 BAY DR KEY WEST FL 330406115, KEY WEST, FL 33040-6115

Mortgage

Document Number	0030511820
Date	Oct 21, 2020
Book Page	003051/001820
Instrument	2287160

Lender

Name	HAMILTON HM LNS INC
Address	SUNRISE, FL 33323

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Feb 25, 2019
Property Address	22 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029501601
Book / Page	002950 / 001601
Instrument Date	Jan 30, 2019
Instrument	2208181
Transaction Type	Transfer
Record Updated	Mar 26, 2019
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transaction

Amount	Amount on Record
Tax	$2,205.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 BAY DR KEY WEST FL 330406115, KEY WEST, FL 33040-6115

June 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONROE FL
Recording Date	Jun 22, 2018
Property Address	22 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029130916
Book / Page	002913 / 000916
Instrument Date	Jun 8, 2018
Instrument	2174926
Transaction Type	Foreclosure
Record Updated	Jul 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$980.70
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	1 HOME CAMPUS DES MOINES IA 503280001, DES MOINES, IA 50328-0001
Investor	Possibly a Property Investor

June 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONROE FL
Recording Date	Jun 8, 2018
Property Address	22 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029110004
Book / Page	002911 / 000004
Instrument Date	Jun 8, 2018
Instrument	2172803
Transaction Type	Foreclosure
Record Updated	Jul 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$980.70
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3476 STATEVIEW BLVD FORT MILL SC 297157203, FORT MILL, SC 29715-7203
Investor	Possibly a Property Investor

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		$764,031 Land $635,381 Building $128,650	$764,031 Land $635,381 Building $128,650
2024	$4,773.00 (-5.88%)
2023	$5,071.00 (+17.33%)	$686,743 (+36.71%) Land $567,607 Building $119,136	$686,743 (+36.71%) Land $567,607 Building $119,136
2022	$4,322.00	$502,327 Land $381,229 Building $121,098	$502,327 Land $381,229 Building $121,098

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

Flood

FEMA maps place 22 Bay Dr 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 537 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	537 in force
Nearby Flood Claims	1,085 (1980–2022)
Claims Outside the SFHA	1 of 1,085
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 256 claims Hurricane Wilma, Oct 2005 · 486 claims Hurricane Georges, Oct 1998 · 297 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

The area around 22 Bay Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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