3405 16th Ter, Key West, FL 33040 Property Records

Monroe County property record for 3405 16th Ter, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,050 sqft · built 1968
Lot Size	0.334 acres (14,528 sqft)
Owner	2 Individual Names on File
Last Sale	$1,550,000 (Sep 2026)
Tax Bill	$9,713 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00056920-000000`

Property Details

APN / Parcel Number

Primary APN	`00056920-000000`
Alternative APNs	`01010100056920000000` `1057401`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,050 sqft Living Area
1st Floor Area	2,050 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,528 sqft (0.334 acres)
Lot Dimensions	131 ft deep x 47 ft wide
Garage Type	Covered
Garage Area	320 sqft

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	426 sqft
Deck Area	1,156 sqft
Patio Area	1,847 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1057401
Street Address	3405 16TH TER
City	KEY WEST
State	FL
Zip	33040-4240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-2
Legal Description	KW PEARLMAN HEIGHTS PT LOT 4 AND PT LOT 5 BLK 1 PB4-85 OR309-298/99 OR471-429 OR980-98 OR1264-1849/50 OR1395-1378/79 OR1407-2003/04 OR3103-1604
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	PEARLMAN HEIGHTS
Legal Block	1
Legal Lot Number	4,5
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1016
Census Tract	971900

Owner

3405 16th Ter is owned by two individuals who bought it in September 2026.

Source: Monroe County records, as of September 24, 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	PO BOX 691, MIDDLETOWN, OH 45042-0691
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Warranty Deed, Transfer · Conventional Mortgage US BANK
Jun 8, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2026 · Amount on File
Deed Sale	Sep 15, 2026 · Amount on File
Prior Sale	Jun 8, 2021 · Amount on File
Deed Document Number	20262560627
Deed Book / Page	3402 / 1112
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 15, 2026
Property Address	3405 16TH TER, KEY WEST, FL 33040-4240
Document Number	0002560627
Book / Page	3402 / 1112
Instrument Date	Sep 14, 2026
Instrument	20262560627
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,095,850.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

Mortgage

Document Number	0002560631,
Date	Sep 15, 2026
Instrument	20262560631

Lender

Name	US BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 8, 2021
Property Address	3405 16TH TER, KEY WEST, FL 33040-4240
Document Number	0031031604
Book / Page	3103 / 1604
Map Reference	MB 4 PG 85
Instrument Date	Jun 3, 2021
Instrument	2323892
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30 EVERGREEN AVE, 30, KEY WEST, FL 33040-6244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13721 PENINSULA RD, WHITEHOUSE, TX 75791-8311

Mortgage

Document Number	0031031608
Date	Jun 8, 2021
Book Page	3103/1608
Instrument	2323894

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3405 16th Ter was $9,713, down 2.7% 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	$9,713.00 (-2.69%)	$1,112,329 Land $743,107 Building $369,222	$1,112,329 Land $743,107 Building $369,222
2024	$9,981.00 (+4.83%)
2023	$9,521.00 (+17.85%)	$1,169,120 (+26.41%) Land $819,670 Building $349,450	$1,169,120 (+26.41%) Land $819,670 Building $349,450
2022	$8,079.00	$924,871 Land $639,523 Building $285,348	$924,871 Land $639,523 Building $285,348

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

Flood

FEMA maps place 3405 16th Ter 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 532 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	721 units insured incl. 189 condo units
Nearby Flood Claims	473 (1980–2026)
Claims Outside the SFHA	3 of 473
Most Recent Claim	Jun 2026 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 91 claims Hurricane Wilma, Oct 2005 · 274 claims Hurricane Georges, Oct 1998 · 56 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 3405 16th Ter 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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Hotwire Communications, Verizon.

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