3 Cormorant Ln, Key West, FL 33040 Property Records

Monroe County property record for 3 Cormorant Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 792 sqft · built 1982
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Apr 2021)
Tax Bill	$4,125 (2024)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00141610-000000`

Property Details

APN / Parcel Number

Primary APN	`00141610-000000`
Alternative APNs	`26672600141610000000` `1182974`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	792 sqft Living Area
1st Floor Area	792 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2000
Exterior Material	Combination
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,000 sqft (0.206 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	1,541 sqft
Deck Area	80 sqft
Patio Area	498 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1182974
Old Parcel Number	26672600141610000000
Street Address	3 CORMORANT LN
City	KEY WEST
State	FL
Zip	33040-6304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 4 N 1/2 LOT 2 AND ALL LOT 3 BOCA CHICA OCEAN SHORES PB5-49 GEIGER KEY OR285-588 OR493-875 OR558-295 OR759-272 OR1093-843
Legal Range	26E
Legal Township	67S
Legal Section	26
Legal Subdivision	BOCA CHICA OCEAN SHORES
Legal Block	4
Legal Lot Number	2-3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1021
Census Tract	971700

Owner

3 Cormorant Ln is owned and occupied by an individual who bought it in April 2021.

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 CORMORANT LN, KEY WEST, FL 33040-6304
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	Apr 7, 2021 · Amount on File
Deed Sale	Apr 7, 2021 · Amount on File
Prior Sale	Jun 5, 2009 · Amount on File
Deed Document Number	2312396
Deed Book / Page	3087 / 914
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 7, 2021
Property Address	3 CORMORANT LN, KEY WEST, FL 33040-6304
Document Number	0030870914
Book / Page	3087 / 914
Map Reference	MB 5 PG 49
Instrument Date	Apr 2, 2021
Instrument	2312396
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	NOT AVAILABLE, FREEHOLD TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 MOCKINGBIRD LN, 111, MARATHON, FL 33050-2482

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CORMORANT LN, KEY WEST, FL 33040-6304

Mortgage

Document Number	0003087916
Date	Apr 7, 2021
Instrument	3087/916

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

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		$446,206	$578,449 Land $424,323 Building $154,126
2024	$4,125.00 (+4.7%)
2023	$3,940.00 (+2.71%) Homeowner's exemption	$421,001 (+3%)	$428,988 (+4.95%) Land $285,483 Building $143,505
2022	$3,836.00 Homeowner's exemption	$408,739 Land $265,203 Building $143,536	$408,739 Land $265,203 Building $143,536

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

Flood

FEMA maps place 3 Cormorant Ln 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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 243 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	245 units insured incl. 2 condo units
Nearby Flood Claims	456 (1980–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 56 claims Hurricane Wilma, Oct 2005 · 178 claims Hurricane Georges, Sep 1998 · 180 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 3 Cormorant Ln 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 Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20