Monroe County property record for 328 Spica Ln, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 3 ba · 1,824 sqft · built 2007 |
| Lot Size | 0.119 acres (5,196 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $535,000 (Jun 2019) |
| Tax Bill | $4,932 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00145150-000000 |
| Primary APN | 00145150-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 1,824 sqft Living Area |
| 1st Floor Area | 1,824 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,196 sqft (0.119 acres) |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 600 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 372 sqft |
| Deck Area | 174 sqft |
| Patio Area | 230 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1186503 |
|---|---|
| Street Address | 328 SPICA LN |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 2 LT 8 GEIGER MOBILE HOMES GEIGER KEY PB5-77 OR538-685 OR711-637 OR844-2177 OR1211-2056 OR1294-622M/L OR1577-1888/AFF OR1767-104/05 OR2692-1584/87F/J OR2751-578C/T OR2778-333/34 OR2971-1572 |
| Legal Range | 26E |
| Legal Township | 67S |
| Legal Section | 27 |
| Legal Subdivision | GEIGER MOBILE HOMES |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 971700 |
328 Spica Ln is owned and occupied by two individuals who bought it in June 2019.
Source: Monroe County records, as of September 23, 2026
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 | 328 SPICA LN, KEY WEST, FL 33040-6322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2026 | Deed of Trust, Mortgage · Line of Credit LAKEVIEW LOAN SERVICING |
| Jul 13, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Aug 25, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Jun 25, 2019 | Warranty Deed, Transfer · FHA Mortgage IBERIABANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2019 · Amount on File |
| Deed Sale | Jun 25, 2019 · Amount on File |
| Prior Sale | Jan 15, 2016 · Amount on File |
| Deed Document Number | 20192226005 |
| Deed Book / Page | 2971 / 1572 |
| Prior Transfer Date | Jun 29, 2015 |
| Prior Transfer Doc | 0027510578 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 9, 2026 |
| Property Address | 328 SPICA LN, KEY WEST, FL 33040-6322 |
| Document Number | 0002559896 |
| Book / Page | 3401 / 1639 |
| Instrument Date | Sep 2, 2026 |
| Instrument | 20262559896 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 328 SPICA LN, KEY WEST, FL 33040-6322 |
| Document Number | 0002559896, |
|---|---|
| Date | Sep 9, 2026 |
| Book Page | 3401/1639 |
| Instrument | 20262559896 |
| Name | LAKEVIEW LOAN SERVICING |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 29, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 328 SPICA LN, KEY WEST, FL 33040-6322 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 328 SPICA LN, KEY WEST, FL 33040-6322 |
| Document Number | 0031111958 |
|---|---|
| Date | Jul 13, 2021 |
| Book Page | 3111/1958 |
| Instrument | 2329626 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 328 SPICA LN, KEY WEST, FL 33040-6322 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 328 SPICA LN, KEY WEST, FL 33040-6322 |
| Document Number | 0030391670 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 3039/1670 |
| Instrument | 2278694 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 25, 2019 |
| Property Address | 328 SPICA LN, KEY WEST, FL 33040-6322 |
| Document Number | 0029711572 |
| Book / Page | 002971 / 001572 |
| Instrument Date | Jun 24, 2019 |
| Instrument | 2226005 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,745.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 328 SPICA LN KEY WEST FL 330406322, KEY WEST, FL 33040-6322 |
| Document Number | 29711576 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 002971/001576 |
| Instrument | 2226007 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | LAFAYETTE, LA 70501 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 24, 2049 |
The 2025 property tax bill for 328 Spica Ln was $4,932 with a homeowner's exemption, up 5.6% from the year before.
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,932.00 (+5.61%) Homeowner's exemption | $545,966 | $671,979 Land $279,285 Building $392,694 |
| 2024 | $4,670.00 (+4.59%) | ||
| 2023 | $4,465.00 (+2.9%) Homeowner's exemption | $515,127 (+3%) | $701,582 (+11.84%) Land $285,780 Building $415,802 |
| 2022 | $4,339.00 Homeowner's exemption | $500,124 | $627,306 Land $215,634 Building $411,672 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 328 Spica Ln 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 243 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 245 units insured incl. 2 condo units |
| Nearby Flood Claims | 456 (1980–2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
The area around 328 Spica Ln 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.
Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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