2304 Patterson Ave, Key West, FL 33040 Property Records

Monroe County property record for 2304 Patterson Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,162 sqft · built 1958
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Sep 2021)
Tax Bill	$5,924 (2024)
Deeds & Mortgages	Oct 2025 Sale Sep 2021 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`00050290-000000`

Property Details

APN / Parcel Number

Primary APN	`00050290-000000`
Alternative APNs	`01010100050290000000` `1050890`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,162 sqft Living Area
1st Floor Area	1,162 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2003
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	210 sqft
Deck Area	54 sqft
Patio Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit

Location & Zoning

Account Number	1050890
Street Address	2304 PATTERSON AVE
City	KEY WEST
State	FL
Zip	33040-3816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-2
Legal Description	KW KW REALTY COS FIRST SUB PB1-43 LT 19 SQR 41 TR 21 OR250-121/22 OR1386-2288 OR1847-1519/20 OR2517-1010 OR2567-2249 OR3086-1926 OR3124-1343 OR3124-1348
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KEY WEST REALTY COS FIRST SUB
Legal Tract	21
Legal Lot Number	19
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	4
Census Block	4003
Census Tract	972200

Owner

2304 Patterson Ave is owned and occupied by two individuals who bought it in September 2021.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2304 PATTERSON AVE, KEY WEST, FL 33040-3816
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 3, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 8, 2021	Correction Deed ACCOMODATION, ACCOMMODATION
Sep 8, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 5, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2021 · Amount on File
Deed Sale	Sep 8, 2021 · Amount on File
Prior Sale	Apr 15, 2011
Deed Document Number	20212338709
Deed Book / Page	3124 / 1348
Prior Transfer Date	Sep 7, 2021
Prior Transfer Doc	0031241343
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 3, 2025
Property Address	2304 PATTERSON AVE, KEY WEST, FL 33040-3816
Document Number	0033471976
Book / Page	3347 / 1976
Map Reference	MB 4 PG 69
Instrument Date	Oct 1, 2025
Instrument	2517551
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$3,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3314 NORTHSIDE DR APT 54, 54, KEY WEST, FL 33040-4175

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2304 PATTERSON AVE, KEY WEST, FL 33040-3816

September 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Sep 8, 2021
Property Address	2304 PATTERSON AVE, KEY WEST, FL 33040-3816
Document Number	0031241343
Book / Page	3124 / 1343
Map Reference	MB 1 PG 43
Instrument Date	Sep 7, 2021
Instrument	2338708
Record Updated	Oct 22, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 ZORLOU CT # B, B, PALM COAST, FL 32164-5812

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 8, 2021
Property Address	2304 PATTERSON AVE, KEY WEST, FL 33040-3816
Document Number	0031241348
Book / Page	3124 / 1348
Map Reference	MB 1 PG 43
Instrument Date	Sep 7, 2021
Instrument	2338709
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 ZORLOU CTB, PALM COAST, FL 32164

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2304 PATTERSON AVE, KEY WEST, FL 33040-3816

Mortgage

Document Number	0031241350
Date	Sep 8, 2021
Instrument	3124/1350

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Apr 5, 2021
Property Address	2304 PATTERSON AVE, KEY WEST, FL 33040-3816
Document Number	0030861926
Book / Page	3086 / 1926
Map Reference	MB 1 PG 43
Instrument Date	Apr 1, 2021
Instrument	2312038
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 ZORLOU CT # B, B, PALM COAST, FL 32164-5812

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Key West City
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$644,939 (-12.47%) Land $485,000 Building $159,939	$644,939 (-12.47%) Land $485,000 Building $159,939
2024	$5,924.00 (+14.21%)	$736,812 (+30.52%) Land $580,000 Building $156,812	$736,812 (+30.52%) Land $580,000 Building $156,812
2023	$5,187.00 (+22.22%)	$564,540 (+12.65%) Land $455,000 Building $109,540	$564,540 (+12.65%) Land $455,000 Building $109,540
2022	$4,244.00 Homeowner's exemption	$501,147 Land $390,000 Building $111,147	$501,147 Land $390,000 Building $111,147

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

Flood

FEMA maps place 2304 Patterson Ave 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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 203 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 units insured incl. 3 condo units
Nearby Flood Claims	333 (1980–2025)
Claims Outside the SFHA	1 of 333
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 45 claims Hurricane Wilma, Oct 2005 · 199 claims Hurricane Georges, Sep 1998 · 40 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 2304 Patterson Ave 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 592 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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