3322 Harriet Ave, Key West, FL 33040 Property Records

Monroe County property record for 3322 Harriet Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,032 sqft · built 1986
Lot Size	0.055 acres (2,438 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Mar 2025)
Tax Bill	$4,368 (2024)
Deeds & Mortgages	Apr 2021 Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00052960-004400`

Property Details

APN / Parcel Number

Primary APN	`00052960-004400`
Alternative APNs	`01010100052960004400` `8687966`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft
Flooring	Concrete/Cement
Interior Walls	Masonry

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1999
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Mansard
Roof Material	Metal
Lot Area	2,438 sqft (0.055 acres)
Lot Dimensions	55 ft deep x 38 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	240 sqft
Patio Area	312 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air

Location & Zoning

Account Number	8687966
Old Parcel Number	01010100052960004400
Street Address	3322 HARRIET AVE
City	KEY WEST
State	FL
Zip	33040-4678
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT BLOCK 9 KW FOUNDATION COS PLAT NO 1 PB1-155 A/K/A UNIT 44 KEY WEST ESTATES OR999-2275/76 OR1082-2283 OR1089-1765
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	KEY WEST FOUNDATION CO PLAT NO 1
Legal Block	9
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3016
Census Tract	971900

Owner

3322 Harriet Ave is owned and occupied by an individual who bought it in March 2025.

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

Owner of Record	Individual Name on File
Mailing Address	3322 HARRIET AVE, KEY WEST, FL 33040-4678
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
Apr 23, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 11, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Sep 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Apr 2, 2018	Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS INC
Nov 2, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2025 · Amount on File
Deed Sale	Mar 3, 2025 · Amount on File
Prior Sale	Apr 2, 2018 · Amount on File
Deed Document Number	2491773
Deed Book / Page	3314 / 341
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3322 HARRIET AVE, KEY WEST, FL 33040-4678
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3322 HARRIET AVE, KEY WEST, FL 33040-4678

Mortgage

Document Number	0030912451
Date	Apr 23, 2021
Book Page	3091/2451
Instrument	2315859

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3322 HARRIET AVE, KEY WEST, FL 33040-4678
Document Number	0030222033
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3322 HARRIET AVE KEY WEST FL 330404678, KEY WEST, FL 33040-4678

Mortgage

Document Number	0030222033
Date	May 18, 2020
Book Page	003022/002033
Instrument	2266373

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 17, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3322 HARRIET AVE, KEY WEST, FL 33040-4678
Document Number	0029862461
Instrument Date	Sep 6, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3322 HARRIET AVE KEY WEST FL 330404678, KEY WEST, FL 33040-4678

Mortgage

Document Number	0029862461
Date	Sep 30, 2019
Book Page	002986/002461
Instrument	2238529

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 29, 2039

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 2, 2018
Property Address	3322 HARRIET AVE, KEY WEST, FL 33040-4678
Document Number	0028990046
Book / Page	2899 / 0046
Map Reference	MB1 PG155
Instrument Date	Mar 27, 2018
Instrument	2162235
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3322 HARRIET AVE, KEY WEST, FL 33040-4678

Mortgage

Document Number	0002162236
Date	Apr 2, 2018
Instrument	2162236

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 2, 2017
Property Address	3322 HARRIET AVE, KEY WEST, FL 33040-4678
Document Number	0028771659
Book / Page	002877 / 001659
Instrument Date	Nov 2, 2017
Instrument	2142127
Transaction Type	Transfer
Record Updated	Nov 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,680.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3322 HARRIET AVE KEY WEST FL 330404678, KEY WEST, FL 33040-4678

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		$483,783 Land $335,308 Building $148,475	$483,783 Land $335,308 Building $148,475
2024	$4,368.00 (+0.48%)
2023	$4,347.00 (+68.36%)	$464,091 (+52.28%) Land $330,150 Building $133,941	$464,091 (+20.35%) Land $330,150 Building $133,941
2022	$2,582.00 Senior Citizen's exemption	$304,771	$385,619 Land $249,693 Building $135,926

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

Flood

FEMA maps place 3322 Harriet 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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

The area around 3322 Harriet 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 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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