32E 12th Ave, Key West, FL 33040 Property Records

Monroe County property record for 32E 12th Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,402 sqft · built 1972
Lot Size	0.082 acres (3,570 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Oct 2019)
Tax Bill	$3,564 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00129490-000000`

Property Details

APN / Parcel Number

Primary APN	`00129490-000000`
Alternative APNs	`35672500129490000000` `1163651`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,402 sqft Living Area
1st Floor Area	1,402 sqft
Flooring	Ceramic Tile
Interior Walls	Masonry

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,570 sqft (0.082 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Deck Area	300 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1163651
Street Address	32E 12TH AVE
City	KEY WEST
State	FL
Zip	33040-5871
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK E LT 32 LINCOLN GARDENS NO 2 PB5-90 STOCK ISLAND OR498-52 OR691-478/479 OR768-1933 OR884-2183/2184 OR1667-297/298 OR1672-2341/2342C OR1996-1142/1144 OR2988-2011
Legal Range	25E
Legal Township	67S
Legal Section	35
Legal Subdivision	LINCOLN GARDENS NO 2
Legal Block	E
Legal Lot Number	32
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	4
Census Block	4014
Census Tract	971800

Owner

32E 12th Ave is owned and occupied by two individuals who bought it in October 2019.

Source: Monroe County records, as of October 19, 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	32 E 12TH AVE, KEY WEST, FL 33040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Deed of Trust, Mortgage PENNYMAC LOAN SERVICES LLC
Aug 30, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 26, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 9, 2019	Warranty Deed, Transfer · FHA Mortgage IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2019 · Amount on File
Deed Sale	Oct 9, 2019 · Amount on File
Prior Sale	Dec 19, 2000 · Amount on File
Deed Document Number	20192239986
Deed Book / Page	2988 / 2011
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	32E 12TH AVE, KEY WEST, FL 33040-5871
Transaction Type	Mortgage
Record Updated	Mar 26, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32E 12TH AVE, KEY WEST, FL 33040-5871

Mortgage

Document Number	0032640321
Date	Feb 28, 2024
Book Page	3264/321
Instrument	2452546

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	6101 CONDOR DR # 200, MOORPARK, CA 93021

Agreement

Amount	Amount on Record
Term	332 Months
Due	Oct 1, 2051

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	32E 12TH AVE, KEY WEST, FL 33040-5871
Transaction Type	Mortgage
Record Updated	Sep 19, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32E 12TH AVE, KEY WEST, FL 33040-5871

Mortgage

Document Number	0032401694
Date	Aug 30, 2023
Book Page	3240/1694
Instrument	2430307

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Oct 1, 2051

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	32E 12TH AVE, KEY WEST, FL 33040-5871
Transaction Type	Mortgage
Record Updated	Feb 9, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32E 12TH AVE, KEY WEST, FL 33040-5871

Mortgage

Document Number	0032091724
Date	Jan 26, 2023
Book Page	3209/1724
Instrument	2404693

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	345 Months
Due	Oct 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	32E 12TH AVE, KEY WEST, FL 33040-5871
Transaction Type	Mortgage
Record Updated	Jan 26, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 12TH AVE, KEY WEST, FL 33040

Mortgage

Document Number	0031361908
Date	Nov 9, 2021
Book Page	3136/1908
Instrument	2347873

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 9, 2019
Property Address	32E 12TH AVE, KEY WEST, FL 33040-5871
Document Number	0029882011
Book / Page	002988 / 002011
Instrument Date	Oct 3, 2019
Instrument	2239986
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	32 E 12TH AVE STOCK ISLAND FL 33040, STOCK ISLAND, FL 33040

Mortgage

Document Number	29882014
Date	Oct 9, 2019
Book Page	002988/002014
Instrument	2239987

Lender

Name	IBERIABANK
Type	Bank
Address	LAFAYETTE, LA 70501

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 32E 12th Ave was $3,564 with a homeowner's exemption, up 5.7% from the year before.

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	$3,564.00 (+5.66%) Homeowner's exemption	$387,651	$522,277 Land $299,880 Building $222,397
2024	$3,373.00 (+6.2%)
2023	$3,176.00 (+2.95%) Homeowner's exemption	$362,894 (+3%)	$482,201 (+7.54%) Land $278,460 Building $203,741
2022	$3,085.00 Homeowner's exemption	$352,325	$448,405 Land $239,190 Building $209,215

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

Flood

FEMA maps place 32E 12th Ave 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 294 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	332 units insured incl. 38 condo units
Nearby Flood Claims	201 (1980–2022)
Claims Outside the SFHA	2 of 201
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 48 claims Hurricane Wilma, Oct 2005 · 95 claims Hurricane Georges, Sep 1998 · 26 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

The area around 32E 12th Ave 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 279 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	2,000 / 250

May also be available: Verizon.

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