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29 Cactus Dr, Key West, FL 33040 Property Records

Monroe County property record for 29 Cactus Dr, Key West, FL 33040 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,375 sqft · built 1974
Lot Size0.193 acres (8,400 sqft)
Owner2 Individual Names on File
Last Sale$540,000 (Jan 2022)
Tax Bill$7,344 (2024)
Deeds & MortgagesNov 2023 Line of Credit
Jun 2023 Transfer
+ 3 more
Flood ZoneZone AE (high risk)
APN00153890-000000

Property Details

APN / Parcel Number

Primary APN00153890-000000
Alternative APNs
  • 22672600153890000000
  • 1199371

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,375 sqft Living Area
1st Floor Area1,375 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,400 sqft (0.193 acres)
Lot Dimensions105 ft deep x 80 ft wide
View / LotCanal
Garage TypeCarport
Garage Area720 sqft
CarportCarport
Carport Area720 sqft

Exterior Amenities

PorchOpen Porch
Porch Area666 sqft
Deck Area120 sqft
Patio Area240 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1199371
Street Address29 CACTUS DR
CityKEY WEST
StateFL
Zip33040-5632
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 29 SIMILAR SOUND SECTION A BIG COPPITT KEY PB3-126 OR545-875 OR602-878 OR2909-2159 OR2909-2175 OR2946-1608 OR3150-0639 OR3230-2111
Legal Range26E
Legal Township67S
Legal Section22
Legal SubdivisionSIMILAR SOUND SEC A
Legal Lot Number29
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2002
Census Tract971700

Owner

Source: Monroe County records · APN 00153890-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address1209 VIRGINIA ST, 1B, KEY WEST, FL 33040-3452
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 01, 2023Deed of Trust, Mortgage · Line of Credit
FIRST HORIZON BANK
Jun 20, 2023Quit Claim Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jan 20, 2022Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jan 29, 2019Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jun 04, 2018Warranty Deed, Transfer · Line of Credit
BRANCH BK&TR

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 20, 2022 · Amount on Record
Deed SaleJan 20, 2022 · Amount on Record
Prior SaleJan 29, 2019 · Amount on Record
Deed Document Number20222357884
Deed Book / Page3150 / 639
Last Transfer DateMay 25, 2023
Transfer Doc0032302111
Record UpdatedJun 08, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address29 CACTUS DR, KEY WEST, FL 33040-5632
Transaction TypeMortgage
Record UpdatedNov 22, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address29 CACTUS DR, KEY WEST, FL 33040-5632

Mortgage

Document Number0032490853
DateNov 01, 2023
Book Page3249/853
Instrument2438757
Lender
NameFIRST HORIZON BANK
TypeBank
AddressKEY WEST, FL 33041
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueOct 27, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateJun 20, 2023
Property Address29 CACTUS DR, KEY WEST, FL 33040-5632
Document Number0032302111
Book / Page3230 / 2111
Map ReferenceMB 3 PG 126
Instrument DateMay 25, 2023
Instrument2422271
Transaction TypeTransfer
Record UpdatedJul 10, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1209 VIRGINIA ST # ST1B, ST1B, KEY WEST, FL 33040-3452

Transferred To (Grantee/Buyer)

NameVerified Name
Address1209 VIRGINIA ST APT 1B, 1B, KEY WEST, FL 33040-3452

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 20, 2022
Property Address29 CACTUS DR, KEY WEST, FL 33040-5632
Document Number0031500639
Book / Page3150 / 639
Map ReferenceMB 3 PG 126
Instrument DateJan 14, 2022
Instrument2357884
Transaction TypeTransfer
Record UpdatedFeb 16, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,780.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1423 JOHNSON ST, 1423, KEY WEST, FL 33040-5017

Transferred To (Grantee/Buyer)

NameVerified Name
Address1209 VIRGINIA ST APT 1B, 1B, KEY WEST, FL 33040-3452

Mortgage

Document Number0003150641
DateJan 20, 2022
Instrument3150/641
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 29, 2019
Property Address29 CACTUS DR, KEY WEST, FL 33040-5632
Document Number0029461608
Book / Page2946 / 1608
Map ReferenceMB 3 PG 126
Instrument DateJan 28, 2019
Instrument2203722
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,360.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address36 EVERGREEN AVE, 36, KEY WEST, FL 33040-6244

Transferred To (Grantee/Buyer)

NameVerified Name
Address2834 SW 24TH AVE, CAPE CORAL, FL 33914-3931

Mortgage

Document Number0002203724
DateJan 29, 2019
Instrument2203724
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2049

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJun 04, 2018
Property Address29 CACTUS DR, KEY WEST, FL 33040-5632
Document Number0029092159
Book / Page002909 / 002159
Instrument DateJun 04, 2018
Instrument2171915
Transaction TypeTransfer
Record UpdatedJul 12, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,200.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address36 EVERGREEN AVE KEY WEST FL 330406244, KEY WEST, FL 33040-6244

Mortgage

Document Number29092160
DateJun 04, 2018
Book Page002909/002160
Instrument2171916
Lender
NameBRANCH BK&TR
TypeBank
AddressKEY WEST, FL 33040-4133
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$836,062 (+14.6%) Land $592,200 Building $243,862$836,062 (+14.6%) Land $592,200 Building $243,862
2024$7,344.00 (+10.77%)
2023$6,630.00 (+41.12%)$729,579 (+29.7%) Land $512,400 Building $217,179$729,579 (+29.7%) Land $512,400 Building $217,179
2022$4,698.00$562,530 Land $352,800 Building $209,730$562,530 Land $352,800 Building $209,730

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879717002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 203 individual NFIP policies nearby
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies203 in force
Nearby Flood Claims296 (1980–2020)
Most Recent ClaimSep 2020, rainfall accumulation
Claims By Storm
  • Hurricane Irma, Sep 2017 · 51 claims
  • Hurricane Wilma, Oct 2005 · 166 claims
  • Hurricane Georges, Sep 1998 · 58 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 217 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

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