Monroe County property record for 24 Cactus Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,158 sqft · built 1967 |
| Lot Size | 0.193 acres (8,400 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $910,000 (Jun 2026) |
| Tax Bill | $8,664 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Sep 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00153840-000000 |
| Primary APN | 00153840-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,158 sqft Living Area |
| 1st Floor Area | 1,158 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 8,400 sqft (0.193 acres) |
| Lot Dimensions | 105 ft deep x 80 ft wide |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 240 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Deck Area | 150 sqft |
| Patio Area | 150 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1199320 |
|---|---|
| Street Address | 24 CACTUS DR |
| City | KEY WEST |
| State | FL |
| Zip | 33040-5632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LT 24 SIMILAR SOUND SECTION A BIG COPPITT KEY PB3-126 OR103-397 OR904-1324 OR1112-2030 OR1314-604 OR1662-1914 OR2861-680 OR2898-2065 OR3100-1556 OR3192-1091 |
| Legal Range | 26E |
| Legal Township | 67S |
| Legal Section | 22 |
| Legal Subdivision | SIMILAR SOUND SEC A |
| Legal Lot Number | 24 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 971700 |
24 Cactus Dr is owner-occupied and held in a trust since June 2026.
Source: Monroe County records, as of July 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 24 CACTUS DR, KEY WEST, FL 33040-5632 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 26, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 26, 2021 | Warranty Deed, Transfer HAVEN TITLE LLC |
| Apr 2, 2018 | Grant Deed, Transfer JOSEPH J JR O'CONNELL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2026 · Amount on File |
| Deed Sale | Jun 26, 2026 · Amount on File |
| Prior Sale | Sep 1, 2022 · Amount on File |
| Deed Document Number | 20262549220 |
| Deed Book / Page | 3388 / 1295 |
| Prior Transfer Date | Mar 16, 2018 |
| Prior Transfer Doc | 0028982065 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 26, 2026 |
| Property Address | 24 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0002549220 |
| Book / Page | 3388 / 1295 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 20262549220 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $643,370.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 24 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 1, 2022 |
| Property Address | 24 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0031921091 |
| Book / Page | 3192 / 1091 |
| Map Reference | MB 3 PG 126 |
| Instrument Date | Aug 24, 2022 |
| Instrument | 2389983 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,293.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 598 W PALMETTO PARK RD, 598, BOCA RATON, FL 33432-3656 |
| Name | Verified Name |
|---|---|
| Address | 24 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0031921093 |
|---|---|
| Date | Sep 1, 2022 |
| Instrument | 3192/1093 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 26, 2021 |
| Property Address | 24 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0031001556 |
| Book / Page | 3100 / 1556 |
| Map Reference | MB 3 PG 126 |
| Instrument Date | May 20, 2021 |
| Instrument | 2321820 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2021 |
| Title Company | HAVEN TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $3,955.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 52 PALMETTO DR, 52, KEY WEST, FL 33040-5641 |
| Name | Verified Name |
|---|---|
| Address | 598 W PALMETTO PARK RD, BOCA RATON, FL 33432-3656 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 2, 2018 |
| Property Address | 24 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0028982065 |
| Book / Page | 002898 / 002065 |
| Instrument Date | Mar 16, 2018 |
| Instrument | 2162033 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,360.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 24 CACTUS DR KEY WEST FL 330405632, KEY WEST, FL 33040-5632 |
| Document Number | 28982067 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 002898/002067 |
| Instrument | 2162034 |
| Name | JOSEPH J JR O'CONNELL |
|---|---|
| Address | 6810 FRONT ST, KEY WEST, FL 33040-6054 |
| Amount | Amount on Record |
|---|---|
| Term | 36 Months |
| Due | Apr 1, 2021 |
The 2025 property tax bill for 24 Cactus Dr was $8,664, up 5.4% from the year before.
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,664.00 (+5.39%) | $904,355 Land $592,200 Building $312,155 | $904,355 Land $592,200 Building $312,155 |
| 2024 | $8,221.00 (+10.2%) | ||
| 2023 | $7,460.00 (+21.48%) | $795,553 (+24.48%) Land $512,400 Building $283,153 | $795,553 (+24.48%) Land $512,400 Building $283,153 |
| 2022 | $6,141.00 | $639,122 Land $352,800 Building $286,322 | $639,122 Land $352,800 Building $286,322 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 24 Cactus 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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 203 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 203 in force |
| Nearby Flood Claims | 296 (1980–2020) |
| Most Recent Claim | Sep 2020 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 24 Cactus 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.
Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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