2918 Flagler Ave, Key West, FL 33040 Property Records

Monroe County property record for 2918 Flagler Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,837 sqft · built 1958
Lot Size	0.146 acres (6,360 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Jun 2010)
Tax Bill	$3,413 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2018 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00069220-000000`

Property Details

APN / Parcel Number

Primary APN	`00069220-000000`
Alternative APNs	`01010100069220000000` `1073113`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,837 sqft Living Area
1st Floor Area	1,837 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,360 sqft (0.146 acres)
Lot Dimensions	106 ft deep x 60 ft wide

Exterior Amenities

Pool Area	308 sqft
Porch	Florida Room
Porch Area	405 sqft
Patio Area	1,054 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1073113
Street Address	2918 FLAGLER AVE
City	KEY WEST
State	FL
Zip	33040-4004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-2
Legal Description	KW RIVIERA SHORES SUBDIVISION PB3-148 LOT 13 AND THE NW 6 FT OF LOT 22 BLK 3 OR282-44/45 OR1371-1781/2 OR2259-1196/97 OR2383-923/24C/T OR2458-1347/49 OR2469-1127/29C
Legal Range	25E
Legal Township	68S
Legal Section	04
Legal Subdivision	RIVIERA SHORES SUB
Legal Block	3
Legal Lot Number	13,22
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2002
Census Tract	972000

Owner

2918 Flagler Ave is owned and occupied by two individuals who bought it in June 2010.

Source: Monroe County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2918 FLAGLER AVE, KEY WEST, FL 33040-4004
Occupancy	Owner Occupied
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 15, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Sep 11, 2018	Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC
Jan 5, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jun 14, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2010 · Amount on File
Deed Sale	Jun 10, 2010 · Amount on File
Prior Sale	Mar 29, 2010 · Amount on File
Deed Document Number	20101792889
Deed Book / Page	2469 / 1127
Prior Transfer Date	Mar 3, 2010
Prior Transfer Doc	0024691127
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Apr 15, 2026
Property Address	2918 FLAGLER AVE, KEY WEST, FL 33040-4004
Document Number	0002539572
Book / Page	3376 / 225
Instrument Date	Mar 30, 2026
Instrument	20262539572
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2918 FLAGLER AVE, KEY WEST, FL 33040-4004

Mortgage

Document Number	0002539572,
Date	Apr 15, 2026
Book Page	3376/225
Instrument	20262539572

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	5.98%
Max Rate	-1%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2918 FLAGLER AVE, KEY WEST, FL 33040-4004
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029261365
Date	Sep 11, 2018
Book Page	2926/1365
Instrument	2186162

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2918 FLAGLER AVE, KEY WEST, FL 33040-4004
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2918 FLAGLER AVE, KEY WEST, FL 33040-4004

Mortgage

Document Number	0030670800
Date	Jan 5, 2021
Book Page	3067/800
Instrument	2297983

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2918 FLAGLER AVE, KEY WEST, FL 33040-4004
Document Number	0029711898
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Jul 18, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2918 FLAGLER AVE KEY WEST FL 330404004, KEY WEST, FL 33040-4004

Mortgage

Document Number	0029711898
Date	Jun 25, 2019
Book Page	002971/001898
Instrument	2226112

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$409,154	$754,067 Land $495,902 Building $258,165
2024	$3,413.00 (+1.94%)
2023	$3,348.00 (+4.59%) Homeowner's exemption	$386,042 (+3%)	$680,952 (+27.41%) Land $436,805 Building $244,147
2022	$3,201.00 Homeowner's exemption	$374,799	$534,474 Land $303,194 Building $231,280

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

Flood

FEMA maps place 2918 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 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 247 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	415 units insured incl. 168 condo units
Nearby Flood Claims	496 (1980–2022)
Most Recent Claim	Oct 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

The area around 2918 Flagler 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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