28 el Monte Ln, Key West, FL 33040 Property Records

Monroe County property record for 28 el Monte Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 2007
Lot Size	0.217 acres (9,440 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Apr 1989)
Tax Bill	$7,944 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2023 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`00157330-000000`

Property Details

APN / Parcel Number

Primary APN	`00157330-000000`
Alternative APNs	`21672600157330000000` `1202924`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,440 sqft (0.217 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	540 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	148 sqft
Deck Area	91 sqft
Patio Area	196 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1202924
Street Address	28 EL MONTE LN
City	KEY WEST
State	FL
Zip	33040-5416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK 4 LT 14 AND 15 GULFREST PARK PLAT 2 BIG COPPITT KEY PB4-157 OR506-802 OR1087-1216 OR2565-2443 OR2866-21/22 OR3193-1451
Legal Range	26E
Legal Township	67S
Legal Section	21
Legal Subdivision	GULFREST PARK #2
Legal Block	4
Legal Lot Number	14,15
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3014
Census Tract	971700

Owner

28 el Monte Ln is owned by an individual who acquired it in August 2022.

Source: Monroe County records, as of April 20, 2026

Owner of Record	Individual Name on File
Mailing Address	6284 LUXEMBURG RD, LUXEMBURG, WI 54217-9303
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 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Sep 21, 2023	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Sep 9, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Jul 25, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 1989 · Amount on File
Deed Sale	Apr 1, 1989 · Amount on File
Deed Book / Page	1087 / 1216
Last Transfer Date	Aug 29, 2022
Transfer Doc	0031931451
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Apr 6, 2026
Property Address	28 EL MONTE LN, KEY WEST, FL 33040-5416
Document Number	0002538253
Book / Page	3374 / 610
Instrument Date	Mar 28, 2026
Instrument	20262538253
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6284 LUXEMBURG RD, LUXEMBURG, WI 54217-9303

Mortgage

Document Number	0002538253,
Date	Apr 6, 2026
Book Page	3374/610
Instrument	20262538253

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	28 EL MONTE LN, KEY WEST, FL 33040-5416
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6284 LUXEMBURG RD, LUXEMBURG, WI 54217-9303

Mortgage

Document Number	0032430786
Date	Sep 21, 2023
Book Page	3243/786
Instrument	2432600

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 12, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Sep 9, 2022
Property Address	28 EL MONTE LN, KEY WEST, FL 33040-5416
Document Number	0031931451
Book / Page	3193 / 1451
Map Reference	MB 4 PG 157
Instrument Date	Aug 29, 2022
Instrument	2390908
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6284 LUXEMBURG RD, 6284, LUXEMBURG, WI 54217-9303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6284 LUXEMBURG RD, LUXEMBURG, WI 54217-9303

Mortgage

Document Number	0031931455
Date	Sep 9, 2022
Instrument	3193/1455

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jul 25, 2017
Property Address	28 EL MONTE LN, KEY WEST, FL 33040-5416
Document Number	0028660021
Book / Page	002866 / 000021
Instrument Date	Jul 19, 2017
Instrument	2132577
Transaction Type	Transfer
Record Updated	Aug 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16340 ANTIGUA WAY BOKEELIA FL 339221636, BOKEELIA, FL 33922-1636

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$830,859 Land $453,120 Building $377,739	$830,859 Land $453,120 Building $377,739
2024	$7,944.00 (+7.18%)
2023	$7,412.00 (+15.15%)	$945,259 (+28.14%) Land $610,202 Building $335,057	$945,259 (+28.14%) Land $610,202 Building $335,057
2022	$6,437.00	$737,704 Land $395,725 Building $341,979	$737,704 Land $395,725 Building $341,979

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

Flood

FEMA maps place 28 el Monte 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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 233 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	272 units insured incl. 39 condo units
Nearby Flood Claims	287 (1980–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 49 claims Hurricane Wilma, Oct 2005 · 166 claims Hurricane Georges, Oct 1998 · 50 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 28 el Monte 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 98% of the US · lower than 97.6% 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 168 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	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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