32 Beach Dr, Key West, FL 33040 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 999 sqft · built 2007
Lot Size	0.075 acres (3,285 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Jun 2019)
Tax Bill	$5,978 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00162350-000000`

Property Details

APN / Parcel Number

Primary APN	`00162350-000000`
Alternative APNs	`08672700162350000000` `1207888`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	999 sqft Living Area
1st Floor Area	999 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2015
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,285 sqft (0.075 acres)
View / Lot	Waterfront
Garage Type	Covered
Garage Area	999 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	258 sqft
Deck Area	12 sqft
Patio Area	12 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1207888
Street Address	32 BEACH DR
City	KEY WEST
State	FL
Zip	33040-6102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK B LT 17 BAY POINT TRAILER PARK FIRST ADDITION SADDLEBUNCH KEYS PB4-9 OR129-458 OR575-238 OR963-491 OR1008-1615R/S OR1011-1576 OR1229-1561/63 OR1293-2230/31 OR2221-241 OR2640-750D/C OR2967-2244
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT TRAILER PARK 1ST ADD
Legal Tract	B
Legal Block	B
Legal Lot Number	17
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1033
Census Tract	971600

Owner

Source: Monroe County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	32 BEACH DR, KEY WEST, FL 33040-6102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jun 4, 2019	Warranty Deed, Transfer · Conventional Mortgage ROMOCO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2019 · Amount on Record
Deed Sale	Jun 4, 2019 · Amount on Record
Prior Sale	Feb 1, 1994 · Amount on Record
Deed Document Number	20192222966
Deed Book / Page	2967 / 2244
Prior Transfer Date	Jun 23, 2006
Prior Transfer Doc	0022210241
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	32 BEACH DR, KEY WEST, FL 33040-6102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030290001
Date	Jun 26, 2020
Book Page	3029/1
Instrument	2271112

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 4, 2019
Property Address	32 BEACH DR, KEY WEST, FL 33040-6102
Document Number	0029672244
Book / Page	002967 / 002244
Instrument Date	May 31, 2019
Instrument	2222966
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 BEACH DR KEY WEST FL 330406102, KEY WEST, FL 33040-6102

Mortgage

Document Number	29672246
Date	Jun 4, 2019
Book Page	002967/002246
Instrument	2222967

Lender

Name	ROMOCO INC
Address	3340 N ROOSEVELT BLVD # 6, KEY WEST, FL 33040-8021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jun 3, 2022

Interest

Rate	9%

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	$5,978.00 (+8.63%)	$679,026 (+14.12%) Land $393,954 Building $285,072	$679,026 (+14.12%) Land $393,954 Building $285,072
2024	$5,503.00 (+7.27%)
2023	$5,130.00 (+8.11%)	$595,016 (+8.98%) Land $341,476 Building $253,540	$595,016 (+8.98%) Land $341,476 Building $253,540
2022	$4,745.00	$545,973 Land $286,781 Building $259,192	$545,973 Land $286,781 Building $259,192

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

Flood

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 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

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 96 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

Cell Coverage

5G and 4G LTE (outdoors only)

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