3246 Duck Ave, Key West, FL 33040 Property Records

Monroe County property record for 3246 Duck Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,032 sqft · built 1984
Lot Size	0.047 acres (2,055 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Aug 2021)
Tax Bill	$5,124 (2024)
Deeds & Mortgages	Dec 2018 Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00052901-001400`

Property Details

APN / Parcel Number

Primary APN	`00052901-001400`
Alternative APNs	`01010100052901001400` `8653549`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2018
Exterior Material	Wood
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	2,055 sqft (0.047 acres)
Lot Dimensions	55 ft deep x 37 ft wide
Porch	Open Porch
Porch Area	344 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	8653549
Old Parcel Number	01010100052901001400
Street Address	3246 DUCK AVE
City	KEY WEST
State	FL
Zip	33040-4182
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT BLOCK 8 KW FOUNDATION COS PLAT NO 2 PB1-189 A/K/A UNIT 14 KEY WEST ESTATES OR918-1644/1645 OR956-83/84 OR1038-775/776
Legal Range	25E
Legal Township	67S
Legal Section	33
Legal Subdivision	KEY WEST FOUNDATION CO PLAT NO 2
Legal Block	8
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3025
Census Tract	971900

Owner

Source: Monroe County records, as of December 5, 2025

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
Co-owner	Co-owner on Record
Mailing Address	841 NORTH TOWN AND RIVER DR, FORT MYERS, FL 33919-5911
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 18, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Prior Sale	Jan 31, 2003 · Amount on Record
Deed Document Number	2336064
Deed Book / Page	3120 / 1632
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3246 DUCK AVE, KEY WEST, FL 33040-4182
Transaction Type	Mortgage
Record Updated	Nov 16, 2021
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029411831
Date	Dec 21, 2018
Book Page	2941/1831
Instrument	2199357

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	232 Months
Due	Apr 1, 2038

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 18, 2021
Property Address	3246 DUCK AVE, KEY WEST, FL 33040-4182
Document Number	0031201632
Book / Page	3120 / 1632
Map Reference	MB 1 PG 189
Instrument Date	Aug 16, 2021
Instrument	2336064
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	NOT AVAILABLE, ELITE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,920.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2622 PATTERSON AVE, 2622, KEY WEST, FL 33040-3921

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	841 N TOWN AND RIVER DR, FORT MYERS, FL 33919-5911

Mortgage

Document Number	31201634
Date	Aug 18, 2021
Instrument	3120/1634

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3246 DUCK AVE, KEY WEST, FL 33040-4182
Document Number	0028992243
Instrument Date	Mar 19, 2018
Transaction Type	Mortgage
Record Updated	May 22, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3246 DUCK AVE KEY WEST FL 330404182, KEY WEST, FL 33040-4182

Mortgage

Document Number	0028992243
Date	Apr 6, 2018
Book Page	002899/002243
Instrument	2162995

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 5, 2038

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$575,491 (+4.2%) Land $333,938 Building $241,553	$575,491 (+4.2%) Land $333,938 Building $241,553
2024	$5,124.00 (+4.15%)
2023	$4,920.00 (+12.74%)	$552,309 (+16.35%) Land $328,800 Building $223,509	$552,309 (+16.35%) Land $328,800 Building $223,509
2022	$4,364.00	$474,690 Land $248,655 Building $226,035	$474,690 Land $248,655 Building $226,035

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 298 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	298 in force
Nearby Flood Claims	232 (1979–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 32 claims Hurricane Wilma, Nov 2005 · 134 claims Hurricane Georges, Sep 1998 · 38 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	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 634 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

May also be available: Hotwire Communications, T-Mobile, Verizon.

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