26 Merganser Ln, Key West, FL 33040 Property Records

Monroe County property record for 26 Merganser Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 780 sqft · built 1995
Lot Size	0.033 acres (1,428 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Apr 2021)
Tax Bill	$4,689 (2024)
Deeds & Mortgages	Apr 2021 Sale May 2019 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00072081-000113`

Property Details

APN / Parcel Number

Primary APN	`00072081-000113`
Alternative APNs	`26672500072081000113` `8876378`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	780 sqft Living Area
1st Floor Area	780 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2016
Exterior Material	Combination
Construction Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,428 sqft (0.033 acres)
Porch	Open Porch
Porch Area	211 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	8876378
Street Address	26 MERGANSER LN
City	KEY WEST
State	FL
Zip	33040-4372
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD
Legal Description	TOWNHOME UNIT 17 KEY WEST GOLF CLUB DEVELOPMENT OR1377-750/825 OR1382-2009/2011 OR2462-1647/48 OR2937-2080 OR2963-1607
Legal Range	25E
Legal Township	67S
Legal Section	26
Legal Subdivision	STOCK ISLAND
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1024
Census Tract	971900

Owner

26 Merganser Ln is owned by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	120 CONKLINGTOWN RD, CHESTER, NY 10918-1812
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
Apr 29, 2021	Warranty Deed, Transfer MIDFLORIDA TITLE PROFESSIONALS, FLORIDA TITLE PROFESSIONAL
May 10, 2019	Correction Deed, Transfer ATTORNEY ONLY
Nov 27, 2018	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2021 · Amount on File
Deed Sale	Apr 29, 2021 · Amount on File
Prior Sale	May 10, 2019 · Amount on File
Deed Document Number	20212316573
Deed Book / Page	3093 / 416
Prior Transfer Date	Mar 29, 2010
Prior Transfer Doc	0024621647
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 29, 2021
Property Address	26 MERGANSER LN, KEY WEST, FL 33040-4372
Document Number	0030930416
Book / Page	3093 / 416
Map Reference	MB 1377 PG 750
Instrument Date	Apr 26, 2021
Instrument	2316573
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	MIDFLORIDA TITLE PROFESSIONALS, FLORIDA TITLE PROFESSIONAL

Transaction

Amount	Amount on Record
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23012 SNAPPER LN, CUDJOE KEY, FL 33042-4331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 MERGANSER LN, KEY WEST, FL 33040-4372
Investor	Possibly a Property Investor

May 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	May 10, 2019
Property Address	26 MERGANSER LN, KEY WEST, FL 33040-4372
Document Number	0029631607
Book / Page	002963 / 001607
Instrument Date	Apr 19, 2019
Instrument	2219521
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,471.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	521 DOVER ST NE FRIDLEY MN 554321611, FRIDLEY, MN 55432-1611

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 27, 2018
Property Address	26 MERGANSER LN, KEY WEST, FL 33040-4372
Document Number	0029372080
Book / Page	2937 / 2080
Map Reference	MB 1377 PG 750
Instrument Date	Oct 31, 2018
Instrument	2195917
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 DOVER ST NE, FRIDLEY, MN 55432-1611

Mortgage

Document Number	0002195919
Date	Nov 27, 2018
Instrument	2195919

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

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		$481,140 Land $301,522 Building $179,618	$481,140 Land $301,522 Building $179,618
2024	$4,689.00 (+5.02%)
2023	$4,465.00 (+15.61%)	$521,410 (+25.98%) Land $370,652 Building $150,758	$521,410 (+25.98%) Land $370,652 Building $150,758
2022	$3,862.00	$413,888 Land $259,603 Building $154,285	$413,888 Land $259,603 Building $154,285

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

Flood

FEMA maps place 26 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 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 File median of 532 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	721 units insured incl. 189 condo units
Nearby Flood Claims	473 (1980–2026)
Claims Outside the SFHA	3 of 473
Most Recent Claim	Jun 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 26 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 Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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

Provider	Max 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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