Monroe County property record for 28 Bay Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,470 sqft · built 1985 |
| Lot Size | 0.19 acres (8,270 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $364,500 (Mar 2018) |
| Tax Bill | $5,260 (2024) |
| Deeds & Mortgages | Mar 2018 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 00160430-000000 |
| Primary APN | 00160430-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,470 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 350 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,270 sqft (0.19 acres) |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 392 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 898 sqft |
| Deck Area | Deck Area |
| Patio Area | 980 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1206008 |
|---|---|
| Street Address | 28 BAY DR |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 5 LT 14 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 OR53-372 OR301-178 OR801-2062/2063 OR1040-1864/65 OR1164-678M/L OR1503-1655/56 OR1780-2189 OR1958-49 OR2128-857 OR2484-1444/45 OR2817-396/99 OR2894-2072/73 |
| Legal Range | 27E |
| Legal Township | 67S |
| Legal Section | 08 |
| Legal Subdivision | BAY POINT AMD PLAT |
| Legal Block | 5 |
| Legal Lot Number | 14 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 971600 |
28 Bay Dr is owned by two individuals who bought it in March 2018.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 83, RICHLAND, NJ 08350-0083 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 7, 2018 · Amount on File |
| Deed Sale | Mar 7, 2018 · Amount on File |
| Prior Sale | Jun 29, 2005 · Amount on File |
| Deed Document Number | 20182158296 |
| Deed Book / Page | 2894 / 2072 |
| Prior Transfer Date | Jul 11, 2016 |
| Prior Transfer Doc | 0028170396 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 7, 2018 |
| Property Address | 28 BAY DR, KEY WEST, FL 33040-6115 |
| Document Number | 0028942072 |
| Book / Page | 002894 / 002072 |
| Instrument Date | Mar 2, 2018 |
| Instrument | 2158296 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2018 |
| Title Company | FIRST INT'L TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,551.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 83 RICHLAND NJ 083500083, RICHLAND, NJ 08350-0083 |
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 | $855,048 Land $638,858 Building $216,190 | $855,048 Land $638,858 Building $216,190 | |
| 2024 | $5,260.00 (-4.99%) | ||
| 2023 | $5,536.00 (+15.6%) | $773,535 (+30.1%) Land $570,713 Building $202,822 | $773,535 (+30.1%) Land $570,713 Building $202,822 |
| 2022 | $4,789.00 | $594,589 Land $383,315 Building $211,274 | $594,589 Land $383,315 Building $211,274 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 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 |
|
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 28 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.
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 |
5G and 4G LTE (outdoors only)
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