2824 Patterson Ave, Key West, FL 33040 Property Records

Monroe County property record for 2824 Patterson Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,040 sqft · built 1958
Lot Size	0.142 acres (6,201 sqft)
Owner	Individual Name on File
Last Sale	$1,159,500 (Oct 2025)
Tax Bill	$8,302 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2023 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`00067940-000000`

Property Details

APN / Parcel Number

Primary APN	`00067940-000000`
Alternative APNs	`01010100067940000000` `1071862`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,040 sqft Living Area
1st Floor Area	2,040 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2008
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,201 sqft (0.142 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	378 sqft
Porch	Open Porch
Porch Area	60 sqft
Patio Area	1,898 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1071862
Old Parcel Number	01010100067940000000
Street Address	2824 PATTERSON AVE
City	KEY WEST
State	FL
Zip	33040-4048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2 LT 3 KW ELAMAR ESTATES PB4-13 OR163-431/32 OR794-1892/93 OR821-921 OR873-1546CT OR888-643RS OR1060-1493 OR1184-345
Legal Range	25E
Legal Township	67S
Legal Section	33
Legal Subdivision	ELAMAR ESTATES
Legal Block	2
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2007
Census Tract	972100

Owner

2824 Patterson Ave is owned by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 230, KEY WEST, FL 33041-0230
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
Oct 7, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 14, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 2, 2017	Deed of Trust, Mortgage · Line of Credit IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2025 · Amount on File
Deed Sale	Oct 7, 2025 · Amount on File
Prior Sale	Jun 14, 2023 · Amount on File
Deed Document Number	2518006
Deed Book / Page	3348 / 952
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 7, 2025
Property Address	2824 PATTERSON AVE, KEY WEST, FL 33040-4048
Document Number	0033480952
Book / Page	3348 / 952
Map Reference	MB 4 PG 13
Instrument Date	Sep 29, 2025
Instrument	2518006
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,116.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 230, KEY WEST, FL 33041-0230

Mortgage

Document Number	0003348954
Date	Oct 7, 2025
Instrument	3348/954

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 14, 2023
Property Address	2824 PATTERSON AVE, KEY WEST, FL 33040-4048
Document Number	0032292282
Book / Page	3229 / 2282
Map Reference	MB 4 PG 13
Instrument Date	Jun 12, 2023
Instrument	2421656
Transaction Type	Transfer
Record Updated	Jul 4, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$9,659.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3406 EAGLE AVE, KEY WEST, FL 33040-4652

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 ALHAMBRA CIR STE 333, 333, CORAL GABLES, FL 33134-7402

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2824 PATTERSON AVE, KEY WEST, FL 33040-4048
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029130065
Date	Jun 21, 2018
Book Page	2913/0065
Instrument	2174662

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2824 PATTERSON AVE, KEY WEST, FL 33040-4048
Document Number	0028692399
Book / Page	002869 / 002399
Instrument Date	Aug 2, 2017
Transaction Type	Mortgage
Record Updated	Sep 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2824 PATTERSON AVE KEY WEST FL 330404048, KEY WEST, FL 33040-4048

Mortgage

Document Number	0028692399
Date	Aug 21, 2017
Book Page	002869/002399
Instrument	2135850

Lender

Name	IBERIABANK
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$945,585 (-0.47%) Land $564,291 Building $381,294	$945,585 (-0.47%) Land $564,291 Building $381,294
2024	$8,302.00 (+75.3%)	$950,079 (+72.11%) Land $564,291 Building $385,788	$950,079 (+2.21%) Land $564,291 Building $385,788
2023	$4,736.00 (+4.52%) Homeowner's exemption	$552,003 (+3%)	$929,515 (+26.39%) Land $547,238 Building $382,277
2022	$4,531.00 Homeowner's exemption	$535,926	$735,422 Land $396,864 Building $338,558

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2824 Patterson 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 300 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	313 units insured incl. 13 condo units
Nearby Flood Claims	517 (1980–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 59 claims Hurricane Wilma, Oct 2005 · 309 claims Hurricane Georges, Sep 1998 · 59 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

The area around 2824 Patterson Ave 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 443 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications, Verizon.

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