320 Ave A, Key West, FL 33040 Property Records

Monroe County property record for 320 Ave A, Key West, FL 33040 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 960 sqft · built 1991
Lot Size	0.113 acres (4,900 sqft)
Owner	2 Individual Names on File
Last Sale	$659,995 (Jul 2023)
Tax Bill	$2,459 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2026 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00151510-000000`

Property Details

APN / Parcel Number

Primary APN	`00151510-000000`
Alternative APNs	`22672600151510000000` `1197041`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2011
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,900 sqft (0.113 acres)
Lot Dimensions	100 ft deep x 49 ft wide
Garage Type	Covered
Garage Area	1,200 sqft
Porch	Open Porch
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit

Location & Zoning

Account Number	1197041
Street Address	320 AVENUE A
City	KEY WEST
State	FL
Zip	33040-5514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 4 LT 12 JOHNSONVILLE PB-1-53 BIG COPPITT Z-342 OR396-593 OR1019-1630 OR1321-1443/44 OR1902-1967D/C OR2808-511D/C OR2808-512/13 OR2826-2366 OR3232-2012
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	JOHNSONVILLE SUBD
Legal Tract	M
Legal Block	4
Legal Lot Number	12
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3024
Census Tract	971700

Owner

Source: Monroe County records · APN 00151510-000000

Assessment roll updated December 8, 2025 · Last verified June 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	320 AVENUE A, KEY WEST, FL 33040-5514
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Jan 05, 2026	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
Feb 28, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LAKEVIEW LOAN SERVICING LLC
Jul 05, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 05, 2023 · Amount on Record
Deed Sale	Jul 05, 2023 · Amount on Record
Prior Sale	Nov 21, 2016 · Amount on Record
Deed Document Number	20232423885
Deed Book / Page	3232 / 2012
Prior Transfer Date	Jul 27, 2016
Prior Transfer Doc	0028080512
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	320 AVENUE A, KEY WEST, FL 33040-5514
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 AVENUE A, KEY WEST, FL 33040-5514

Mortgage

Document Number	0030840723
Date	Mar 25, 2021
Book Page	3084/723
Instrument	2310466

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	320 AVENUE A, KEY WEST, FL 33040-5514
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 AVENUE A, KEY WEST, FL 33040-5514

Mortgage

Document Number	0033602099
Date	Jan 05, 2026
Book Page	3360/2099
Instrument	2527417

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2056

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	320 AVENUE A, KEY WEST, FL 33040-5514
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 AVENUE A, KEY WEST, FL 33040-5514

Mortgage

Document Number	0033131960
Date	Feb 28, 2025
Book Page	3313/1960
Instrument	2491478

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 01, 2045

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 05, 2023
Property Address	320 AVENUE A, KEY WEST, FL 33040-5514
Document Number	0032322012
Book / Page	3232 / 2012
Map Reference	MB 1 PG 53
Instrument Date	Jul 03, 2023
Instrument	2423885
Transaction Type	Transfer
Record Updated	Jul 20, 2023
Title Company	NOT AVAILABLE, THE CLOSING DEPARTMENT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,620.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	133 PEARY CTB, KEY WEST, FL 33040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 AVENUE A, KEY WEST, FL 33040-5514

Mortgage

Document Number	0032322014
Date	Jul 05, 2023
Instrument	3232/2014

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$276,073 (-21.94%)	$563,893 (+15.23%) Land $318,500 Building $245,393
2024	$2,459.00 (-20.63%)
2023	$3,098.00 (+2.96%) Homeowner's exemption	$353,666 (+3%)	$489,364 (+3.56%) Land $291,550 Building $197,814
2022	$3,009.00 Homeowner's exemption	$343,366	$472,520 Land $269,500 Building $203,020

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879717003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 233 individual NFIP policies nearby
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	272 units insured 39 under condo master policies
Nearby Flood Claims	287 (1980–2022)
Most Recent Claim	Sep 2022, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 49 claims Hurricane Wilma, Oct 2005 · 166 claims Hurricane Georges, Oct 1998 · 50 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 168 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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