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2810 Flagler Ave, Key West, FL 33040 Property Records

Monroe County property record for 2810 Flagler Ave, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,850 sqft · built 2017
Lot Size0.036 acres (1,586 sqft)
Owner2 Individual Names on File
Tax Bill$5,790 (2024)
Deeds & MortgagesApr 2022 Mortgage
Oct 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00065090-010000

Property Details

APN / Parcel Number

Primary APN00065090-010000
Alternative APN
  • 9104163

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area1,850 sqft Living Area
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2021
Exterior MaterialPlywood
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area1,586 sqft (0.036 acres)
Garage Area120 sqft
PorchOpen Porch

Utilities, Heating & Cooling

Heating SystemForced Air

Location & Zoning

Account Number9104163
Street Address2810 FLAGLER AVE
CityKEY WEST
StateFL
Zip33040-4002
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRESIDENTIAL UNIT 10 OF ENCLAVE ON RIVIERA DEVELOPMENT F/K/A KW NO 29 A PARCEL OF LAND LYING SE OF FLAGLER AVE OR2883-219/292
Legal Range25E
Legal Township68S
Legal Section04
Legal SubdivisionENCLAVE/RIVIERA UN 10
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2000
Census Tract972000

Owner

2810 Flagler Ave is owned and occupied by two individuals who acquired it in December 2020.

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

Owner of Record2 Individual Names on File
Mailing Address2810 FLAGLER AVE, KEY WEST, FL 33040-4002
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

DateDocument
Apr 19, 2022Deed of Trust, Mortgage · VA Mortgage
AXIA FINANCIAL LLC
Oct 4, 2019Warranty Deed, Subdivision Related Transfer · VA Mortgage
USAA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 1, 2020
Deed SaleDec 1, 2020
Deed Document Number0003062209
Deed Book / Page2988 / 0718
Prior Transfer DateOct 4, 2019
Prior Transfer Doc2239548
Record UpdatedJun 8, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address2810 FLAGLER AVE, KEY WEST, FL 33040-4002
Transaction TypeMortgage
Record UpdatedMay 19, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2810 FLAGLER AVE, KEY WEST, FL 33040-4002

Mortgage

Document Number0031681423
DateApr 19, 2022
Book Page3168/1423
Instrument2371543
Lender
NameAXIA FINANCIAL LLC
TypeMortgage Company
AddressBELLEVUE, WA 98004
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2052

October 2019: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateOct 4, 2019
Property Address2810 FLAGLER AVE, KEY WEST, FL 33040-4002
Document Number0029880718
Book / Page002988 / 000718
Instrument DateOct 4, 2019
Instrument2239548
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 8, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,460.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2810 FLAGLER AVE KEY WEST FL 330404002, KEY WEST, FL 33040-4002

Mortgage

Document Number29880721
DateOct 4, 2019
Book Page002988/000721
Instrument2239549
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueOct 3, 2049

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$716,518$917,573 Land $482,153 Building $435,420
2024$5,790.00 (+1.76%)
2023$5,690.00 (+4.56%) Senior Citizen's exemption$676,044 (+3%)$772,384 (+0.07%) Land $378,189 Building $394,195
2022$5,442.00 Senior Citizen's exemption$656,354$771,809 Land $374,526 Building $397,283

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

Flood

FEMA maps place 2810 Flagler Ave 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 Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 247 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies415 units insured
incl. 168 condo units
Nearby Flood Claims496 (1980–2022)
Most Recent ClaimOct 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 33 claims
  • Hurricane Wilma, Oct 2005 · 321 claims
  • Hurricane Georges, Sep 1998 · 69 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 2810 Flagler Ave 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 99.1% of the US · lower than 98.7% 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 324 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

May also be available: Hotwire Communications, Verizon.

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