3200 Riviera Dr, Key West, FL 33040 Property Records

Monroe County property record for 3200 Riviera Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,765 sqft · built 1975
Lot Size	0.352 acres (15,340 sqft)
Owner	2 Individual Names on File
Last Sale	$860,000 (May 2001)
Tax Bill	$7,226 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2023 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00069550-000000`

Property Details

APN / Parcel Number

Primary APN	`00069550-000000`
Alternative APNs	`01010100069550000000` `1073415`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,765 sqft Living Area
1st Floor Area	3,765 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,340 sqft (0.352 acres)
Lot Dimensions	130 ft deep x 118 ft wide
Garage Type	Covered
Garage Area	600 sqft

Exterior Amenities

Pool Area	530 sqft
Porch	Open Porch
Porch Area	330 sqft
Patio Area	359 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1073415
Street Address	3200 RIVIERA DR
City	KEY WEST
State	FL
Zip	33040-4662
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-2
Legal Description	KW RIVIERA SHORES SUBD PB3-148 LOTS 13-14-15-16 BLK 4 OR565-397 OR617-867 OR739-248 OR765-780 OR777-1531 OR778-775 OR832-1538Q/C OR832-1539 OR833-1757 OR1449-1339 OR1693-1455/56
Legal Range	25E
Legal Township	67S
Legal Section	33
Legal Subdivision	RIVIERA SHORES SUB
Legal Block	4
Legal Lot Number	13-14
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2000
Census Tract	972000

Owner

3200 Riviera Dr is owned and occupied by two individuals who bought it in May 2001.

Source: Monroe County records, as of July 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3200 RIVIERA DR, KEY WEST, FL 33040-4662
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Mar 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2001 · Amount on File
Deed Sale	May 4, 2001 · Amount on File
Prior Sale	Mar 31, 1997 · Amount on File
Deed Book / Page	1693 / 1455
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Jul 24, 2026
Property Address	3200 RIVIERA DR, KEY WEST, FL 33040-4662
Document Number	0002553185
Book / Page	3393 / 1771
Instrument Date	Jul 17, 2026
Instrument	20262553185
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3200 RIVIERA DR, KEY WEST, FL 33040-4662

Mortgage

Document Number	0002553185,
Date	Jul 24, 2026
Book Page	3393/1771
Instrument	20262553185

Lender

Name	FIRST HORIZON BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3200 RIVIERA DR, KEY WEST, FL 33040-4662
Transaction Type	Mortgage
Record Updated	Mar 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3200 RIVIERA DR, KEY WEST, FL 33040-4662

Mortgage

Document Number	0032140940
Date	Mar 6, 2023
Book Page	3214/940
Instrument	2408860

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	Other
Max Rate	10.3%

Tax Assessment & Valuation

The 2025 property tax bill for 3200 Riviera Dr was $7,226 with a homeowner's exemption, up 3.9% from the year before.

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	$7,226.00 (+3.93%) Homeowner's exemption	$851,522	$1,925,667 Land $1,354,829 Building $570,838
2024	$6,953.00 (+1.67%)
2023	$6,839.00 (+4.49%) Homeowner's exemption	$803,422 (+3%)	$2,096,072 (+18.45%) Land $1,543,818 Building $552,254
2022	$6,545.00 Homeowner's exemption	$780,022	$1,769,645 Land $1,217,382 Building $552,263

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

Flood

FEMA maps place 3200 Riviera 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 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 3200 Riviera Dr 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 98% of the US · lower than 97.6% 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 149 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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