3010 Flagler Ave, Key West, FL 33040 Property Records

Monroe County property record for 3010 Flagler Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,602 sqft · built 1958
Lot Size	0.146 acres (6,360 sqft)
Owner	2 Trust Names on File
Last Sale	$1,400,000 (Apr 2024)
Tax Bill	$8,118 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2024 Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`00069150-000000`

Property Details

APN / Parcel Number

Primary APN	`00069150-000000`
Alternative APNs	`01010100069150000000` `1073041`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,602 sqft Living Area
1st Floor Area	1,280 sqft
Flooring	Ceramic Tile
Interior Walls	Plywood

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2022
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
Garage Type	Covered
Garage Area	256 sqft

Exterior Amenities

Pool Area	324 sqft
Porch	Open Porch
Porch Area	604 sqft
Deck Area	220 sqft
Patio Area	1,444 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1073041
Street Address	3010 FLAGLER AVE
City	KEY WEST
State	FL
Zip	33040-4006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-2
Legal Description	BK 3 LT 6 AND THE NW 6FT OF LT 29 RIVIERA SHORES SUBDIVISION PB3-148 OR315-399 OR398-823 OR953-88 OR992-212 OR1026-1142 OR1182-108 OR1371-2367 OR1585-2470 OR2559-194 OR2970-1046 OR3199-1325 OR3272-2463
Legal Range	25E
Legal Township	68S
Legal Section	04
Legal Subdivision	RIVIERA SHORES SUB
Legal Block	3
Legal Lot Number	6,29
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2002
Census Tract	972000

Owner

3010 Flagler Ave is held in a trust since February 2025.

Source: Monroe County records, as of February 11, 2026

Owner of Record	2 Trust Names on File
Mailing Address	690 HILLSIDE AVE, ROCHESTER, NY 14610-2933
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Feb 3, 2026	Deed of Trust, Mortgage · VA Mortgage COAST2COAST MORTGAGE LLC
Apr 25, 2024	Deed of Trust, Mortgage · VA Mortgage COAST2COAST MORTGAGE LLC
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC
Oct 28, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 9, 2018	Deed of Trust, Mortgage · Line of Credit PRIORITY ONE CU
Nov 18, 2017	Deed of Trust, Mortgage · Line of Credit PRIORITY ONE CU/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2024 · Amount on File
Deed Sale	Apr 25, 2024 · Amount on File
Prior Sale	Oct 28, 2022 · Amount on File
Deed Document Number	20242459382
Deed Book / Page	3272 / 2463
Last Transfer Date	Feb 4, 2025
Transfer Doc	0033101866
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3010 FLAGLER AVE, KEY WEST, FL 33040-4006
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3010 FLAGLER AVE, KEY WEST, FL 33040-4006

Mortgage

Document Number	0033641659
Date	Feb 3, 2026
Book Page	3364/1659
Instrument	2530623

Lender

Name	COAST2COAST MORTGAGE LLC
Type	Mortgage Company
Address	SAINT AUGUSTINE, FL 32084

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3010 FLAGLER AVE, KEY WEST, FL 33040-4006
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	690 HILLSIDE AVE, ROCHESTER, NY 14610-2933

Mortgage

Document Number	0032722465
Date	Apr 25, 2024
Book Page	3272/2465
Instrument	2459383

Lender

Name	COAST2COAST MORTGAGE LLC
Type	Mortgage Company
Address	93 KING ST # 12, ST AUGUSTINE, FL 32084

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3010 FLAGLER AVE, KEY WEST, FL 33040-4006
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3010 FLAGLER AVE, KEY WEST, FL 33040-4006

Mortgage

Document Number	0030731798
Date	Feb 5, 2021
Book Page	3073/1798
Instrument	2302678

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 28, 2022
Property Address	3010 FLAGLER AVE, KEY WEST, FL 33040-4006
Document Number	0031991325
Book / Page	3199 / 1325
Map Reference	MB 3 PG 148
Instrument Date	Oct 26, 2022
Instrument	2395966
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,623.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3010 FLAGLER AVE, KEY WEST, FL 33040-4006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3010 FLAGLER AVE, KEY WEST, FL 33040-4006

Mortgage

Document Number	0031991327
Date	Oct 28, 2022
Book Page	3199/1327
Instrument	2395967

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3010 FLAGLER AVE, KEY WEST, FL 33040-4006
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transaction

Additional	Lis Pendens

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029701048
Date	Jun 17, 2019
Book Page	2970/1048
Instrument	2224945

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3010 FLAGLER AVE, KEY WEST, FL 33040-4006
Document Number	0029230737
Instrument Date	Aug 9, 2018
Transaction Type	Mortgage
Record Updated	Oct 2, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3010 FLAGLER AVE KEY WEST FL 330404006, KEY WEST, FL 33040-4006

Mortgage

Document Number	0029230737
Date	Aug 22, 2018
Book Page	002923/000737
Instrument	2183480

Lender

Name	PRIORITY ONE CU
Type	Credit Union
Address	SUNRISE, FL 33322-1611

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 21, 2033

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3010 FLAGLER AVE, KEY WEST, FL 33040-4006
Document Number	0028810740
Book / Page	002881 / 000740
Instrument Date	Nov 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3010 FLAGLER AVE KEY WEST FL 330404006, KEY WEST, FL 33040-4006

Mortgage

Document Number	0028810740
Date	Dec 1, 2017
Book Page	002881/000740
Instrument	2145743

Lender

Name	PRIORITY ONE CU/FL
Type	Credit Union
Address	SUNRISE, FL 33322-1611

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 30, 2032

Interest

Rate Type	Adjustable Rate

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		$1,148,452 Land $619,877 Building $528,575	$1,148,452 Land $619,877 Building $528,575
2024	$8,118.00 (+9.93%)
2023	$7,385.00 (+50.59%)	$827,469 (+42.37%) Land $436,805 Building $390,664	$827,469 (+8.61%) Land $436,805 Building $390,664
2022	$4,904.00 Homeowner's exemption	$581,195	$761,886 Land $303,194 Building $458,692

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3010 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

Wildfire risk around 3010 Flagler Ave 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 99.8% of the US · lower than 99.7% 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 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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