3 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 3 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,812 sqft · built 1968
Lot Size	0.296 acres (12,920 sqft)
Owner	Individual Name on File
Last Sale	$1,050,000 (Dec 2019)
Tax Bill	$12,188 (2024)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00161490-000000`

Property Details

APN / Parcel Number

Primary APN	`00161490-000000`
Alternative APNs	`08672700161490000000` `1207055`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,812 sqft Living Area
1st Floor Area	2,812 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2003
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,920 sqft (0.296 acres)

Exterior Amenities

Pool Area	264 sqft
Porch	Open Porch
Porch Area	682 sqft
Deck Area	272 sqft
Patio Area	1,020 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1207055
Old Parcel Number	08672700161490000000
Street Address	3 BAY DR
City	KEY WEST
State	FL
Zip	33040-6126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 6 BAY POINT FIRST ADDITION SADDLEBUNCH KEYS PB5-22 OR371-352 OR605-652 OR612-122 OR820-1359 OR960-1331 OR1021-1177
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT FIRST ADD
Legal Lot Number	6
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

3 Bay Dr is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3 BAY DR, KEY WEST, FL 33040-6126
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2019 · Amount on File
Deed Sale	Dec 31, 2019 · Amount on File
Prior Sale	Mar 25, 2014 · Amount on File
Deed Document Number	2250271
Deed Book / Page	3001 / 1764
Record Updated	Jun 8, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 31, 2019
Property Address	3 BAY DR, KEY WEST, FL 33040-6126
Document Number	0030011764
Book / Page	3001 / 1764
Map Reference	MB 5 PG 22
Instrument Date	Dec 23, 2019
Instrument	2250271
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	859 AKIN RD, 859, MARTIN, GA 30557-4009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 BAY DR, KEY WEST, FL 33040-6126
Investor	Possibly a Property Investor

Mortgage

Document Number	0030011766
Date	Dec 31, 2019
Instrument	3001/1766

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$1,520,064 Land $1,072,571 Building $447,493	$1,520,064 Land $1,072,571 Building $447,493
2024	$12,188.00 (-4.83%)
2023	$12,806.00 (+22.16%)	$1,876,560 (+47.14%) Land $1,444,687 Building $431,873	$1,876,560 (+47.14%) Land $1,444,687 Building $431,873
2022	$10,483.00	$1,275,358 Land $837,262 Building $438,096	$1,275,358 Land $837,262 Building $438,096

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

Flood

FEMA maps place 3 Bay Dr 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 537 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	537 in force
Nearby Flood Claims	1,085 (1980–2022)
Claims Outside the SFHA	1 of 1,085
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 256 claims Hurricane Wilma, Oct 2005 · 486 claims Hurricane Georges, Oct 1998 · 297 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 3 Bay Dr 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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