32 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 32 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,534 sqft · built 2018
Lot Size	0.221 acres (9,638 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,145 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00160450-000000`

Property Details

APN / Parcel Number

Primary APN	`00160450-000000`
Alternative APNs	`08672700160450000000` `1206024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,534 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2020
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,638 sqft (0.221 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	720 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1206024
Street Address	32 BAY DR
City	KEY WEST
State	FL
Zip	33040-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 5 LT 16 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 OR52-297 OR485-406/07 OR1005-1347D/C OR1006-2374/2376WILL OR2328-1809/10 OR2641-1850 OR2841-585/86 OR2929-0577
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	5
Legal Lot Number	16
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

32 Bay Dr is owned and occupied by two individuals who acquired it in September 2018.

Source: Monroe County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	32 BAY DR, KEY WEST, FL 33040-6115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRINCETON MORTGAGE CORP
Sep 28, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage IBERIABANK
Mar 1, 2017	Grant Deed, Transfer · Construction Mortgage FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018
Deed Sale	Sep 28, 2018
Prior Sale	Mar 1, 2017 · Amount on File
Deed Document Number	20182188522
Deed Book / Page	2929 / 577
Prior Transfer Date	Sep 17, 2018
Prior Transfer Doc	0029290577
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	32 BAY DR, KEY WEST, FL 33040-6115
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 BAY DR, KEY WEST, FL 33040-6115

Mortgage

Document Number	0030902065
Date	Apr 20, 2021
Book Page	3090/2065
Instrument	2314996

Lender

Name	PRINCETON MORTGAGE CORP
Type	Mortgage Company
Address	08626

Agreement

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

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Sep 28, 2018
Property Address	32 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029290577
Book / Page	2929 / 0577
Map Reference	MB3 PG75
Instrument Date	Sep 17, 2018
Instrument	2188522
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 BAY DR, KEY WEST, FL 33040-6115

Mortgage

Document Number	0002188524
Date	Sep 28, 2018
Instrument	2188524

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Mar 1, 2017
Property Address	32 BAY DR, KEY WEST, FL 33040-6115
Document Number	0028410585
Book / Page	002841 / 000585
Instrument Date	Feb 13, 2017
Instrument	2112215
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Amount	Amount on Record
Tax	$1,155.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1010 16TH TER KEY WEST FL 330404247, KEY WEST, FL 33040-4247

Mortgage

Document Number	28410587
Date	Mar 1, 2017
Book Page	002841/000587
Instrument	2112216

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.37%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$603,982	$1,055,999 Land $730,079 Building $325,920
2024	$5,145.00 (+4.4%)
2023	$4,928.00 (+2.88%) Homeowner's exemption	$569,866 (+3%)	$956,811 (+28.84%) Land $652,203 Building $304,608
2022	$4,790.00 Homeowner's exemption	$553,268	$742,655 Land $438,047 Building $304,608

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

Flood

FEMA maps place 32 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 32 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 140 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

Cell Coverage

5G and 4G LTE (outdoors only)

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