Monroe County property record for 3 Emerald Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,372 sqft · built 1977 |
| Lot Size | 0.184 acres (8,000 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,575,000 (Feb 2022) |
| Tax Bill | $12,179 (2024) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00156210-000000 |
| Primary APN | 00156210-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,372 sqft Living Area |
| Gross Area | 3,822 sqft |
| 1st Floor Area | 1,842 sqft |
| Basement Area | 1,530 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,000 sqft (0.184 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 450 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 1,164 sqft |
| Deck Area | 816 sqft |
| Patio Area | 816 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1201634 |
|---|---|
| Street Address | 3 EMERALD DR |
| City | KEY WEST |
| State | FL |
| Zip | 33040-5636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 9 LOT 3 PORPOISE POINT SECTION 5 BIG COPPITT KEY PB5-119 OR490-345 OR697-498 OR1485-1891 OR2679-2424 OR2718-2056-57 OR3154-0602 OR3275-1183 OR3285-1312 OR3285-1314 OR3275-1185 |
| Legal Range | 26E |
| Legal Township | 67S |
| Legal Section | 22 |
| Legal Subdivision | PORPOISE POINT SEC 5 |
| Legal Block | 9 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 971700 |
Source: Monroe County records, as of March 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 3 EMERALD DR, KEY WEST, FL 33040-5636 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Feb 9, 2022 | Warranty Deed, Transfer · Conventional Mortgage CLEAREDGE LENDING LLC |
| Mar 7, 2017 | Deed of Trust, Mortgage · Commercial Mortgage CENTENNIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2022 · Amount on Record |
| Deed Sale | Feb 9, 2022 · Amount on Record |
| Prior Sale | Dec 31, 2014 · Amount on Record |
| Deed Document Number | 20222360804 |
| Deed Book / Page | 3154 / 602 |
| Last Transfer Date | May 2, 2024 |
| Transfer Doc | 0032751183 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 9, 2022 |
| Property Address | 3 EMERALD DR, KEY WEST, FL 33040-5636 |
| Document Number | 0031540602 |
| Book / Page | 3154 / 602 |
| Map Reference | MB 5 PG 119 |
| Instrument Date | Feb 4, 2022 |
| Instrument | 2360804 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,025.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 AQUAMARINE DR, 3, KEY WEST, FL 33040-5601 |
| Name | Verified Name |
|---|---|
| Address | 3 EMERALD DR, KEY WEST, FL 33040-5636 |
| Document Number | 0003154604 |
|---|---|
| Date | Feb 9, 2022 |
| Instrument | 3154/604 |
| Name | CLEAREDGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 3 EMERALD DR, KEY WEST, FL 33040-5636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028420929 |
|---|---|
| Date | Mar 7, 2017 |
| Book Page | 2842/0929 |
| Instrument | 2113197 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | KEY WEST, FL 33040 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 6, 2027 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,300,804 (-1.27%) Land $564,000 Building $736,804 | $1,300,804 (-1.27%) Land $564,000 Building $736,804 | |
| 2024 | $12,179.00 (+3.23%) | ||
| 2023 | $11,798.00 (+39.92%) Homeowner's exemption | $1,317,551 (+50.22%) Land $488,000 Building $829,551 | $1,317,551 (+50.22%) Land $488,000 Building $829,551 |
| 2022 | $8,432.00 | $877,085 Land $336,000 Building $541,085 | $877,085 Land $336,000 Building $541,085 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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.
Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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