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24 Merganser Ln, Key West, FL 33040 Property Records

Monroe County property record for 24 Merganser Ln, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 780 sqft · built 1995
Lot Size0.031 acres (1,356 sqft)
OwnerIndividual Name on File
Last Sale$375,000 (Dec 2020)
Tax Bill$2,696 (2024)
Deeds & MortgagesDec 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00072081-000112

Property Details

APN / Parcel Number

Primary APN00072081-000112
Alternative APNs
  • 26672500072081000112
  • 8876360

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories2 Stories
Building Area780 sqft Living Area
1st Floor Area780 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 2010
Exterior MaterialOther
Construction TypeConcrete
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area1,356 sqft (0.031 acres)
PorchOpen Porch
Porch Area146 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number8876360
Old Parcel Number26672500072081000112
Street Address24 MERGANSER LN
CityKEY WEST
StateFL
Zip33040-4364
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTOWNHOME UNIT 16 KEY WEST GOLF CLUB DEVELOPMENT OR1377-750/825DEC OR1381-1490/1492 OR2331-2222/25C OR2329-1004/09
Legal Range25E
Legal Township67S
Legal Section26
Legal SubdivisionSTOCK ISLAND
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1024
Census Tract971900

Owner

24 Merganser Ln is owned and occupied by an individual who bought it in December 2020.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address24 MERGANSER LN, KEY WEST, FL 33040-4364
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 23, 2020 · Amount on File
Deed SaleDec 23, 2020 · Amount on File
Prior SaleNov 25, 2013 · Amount on File
Deed Document Number2296363
Deed Book / Page3064 / 2168
Record UpdatedJun 8, 2026

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateDec 23, 2020
Property Address24 MERGANSER LN, KEY WEST, FL 33040-4364
Document Number0030642168
Book / Page3064 / 2168
Map ReferenceMB 1377 PG 750
Instrument DateDec 17, 2020
Instrument2296363
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,625.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address17 HARRIMAN AVE, 17, YONKERS, NY 10701-1201

Transferred To (Grantee/Buyer)

NameVerified Name
Address24 MERGANSER LN, KEY WEST, FL 33040-4364

Mortgage

Document Number0030642170
DateDec 23, 2020
Instrument3064/2170
Lender
NameAXIA FINANCIAL LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$319,661$450,520 Land $283,331 Building $167,189
2024$2,696.00 (+2.04%)
2023$2,642.00 (+4.68%) Homeowner's exemption$301,605 (+3%)$483,230 (+26.37%) Land $348,289 Building $134,941
2022$2,524.00 Homeowner's exemption$292,821$382,406 Land $243,941 Building $138,465

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

Flood

FEMA maps place 24 Merganser Ln 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 532 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies721 units insured
incl. 189 condo units
Nearby Flood Claims473 (1980–2026)
Claims Outside the SFHA3 of 473
Most Recent ClaimJun 2026 · other causes
Claims by Event
  • Hurricane Irma, Sep 2017 · 91 claims
  • Hurricane Wilma, Oct 2005 · 274 claims
  • Hurricane Georges, Oct 1998 · 56 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

Wildfire risk around 24 Merganser Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 340 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Hotwire Communications.

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