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3409 Flagler Ave, Key West, FL 33040 Property Records

Monroe County property record for 3409 Flagler Ave, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,048 sqft · built 1960
Lot Size0.114 acres (5,000 sqft)
OwnerIndividual Name on Record
Last Sale$927,500 (Aug 2016)
Tax Bill$2,800 (2024)
Deeds & MortgagesSep 2023 Mortgage
Dec 2020 Mortgage
Flood ZoneZone AE (high risk)
APN00052730-000000

Property Details

APN / Parcel Number

Primary APN00052730-000000
Alternative APNs
  • 01010100052730000000
  • 1053376

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,048 sqft Living Area
1st Floor Area1,048 sqft
FlooringConcrete/Cement
Interior WallsPlywood

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 2003
Exterior MaterialOther
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,000 sqft (0.114 acres)
Lot Dimensions100 ft deep x 50 ft wide

Exterior Amenities

PorchFinished/Screened Porch
Porch Area312 sqft
Deck Area60 sqft
Patio Area60 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Account Number1053376
Old Parcel Number01010100052730000000
Street Address3409 FLAGLER AVE
CityKEY WEST
StateFL
Zip33040-4607
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKW KW FWDN SUB PLAT 1 PB1-155 LOTS 19 AND 20 SQR 5 G8-91 OR297-79/80 OR2775-2059ORD OR2804-1174D/C OR2810-2222/24
Legal Range25E
Legal Township67S
Legal Section34
Legal SubdivisionKEY WEST FOUNDATION CO PLAT NO 1
Legal Lot Number19-20 20
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group3
Census Block3019
Census Tract971900

Owner

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

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 RecordIndividual Name on Record
Mailing Address3409 FLAGLER AVE, KEY WEST, FL 33040-4607
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 1, 2023Deed of Trust, Mortgage
COUNTY OF MONROE
Dec 21, 2020Deed of Trust, Mortgage · Conventional Mortgage
FIRST HORIZON BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 15, 2016 · Amount on Record
Deed SaleAug 15, 2016 · Amount on Record
Deed Document Number2087792
Deed Book / Page002810 / 002222
Record UpdatedJun 8, 2026

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address3409 FLAGLER AVE, KEY WEST, FL 33040-4607
Transaction TypeMortgage
Record UpdatedSep 29, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3409 FLAGLER AVE, KEY WEST, FL 33040-4607

Mortgage

Document Number0032410143
DateSep 1, 2023
Book Page3241/143
Instrument2430629
Lender
NameCOUNTY OF MONROE
TypeGovernment Agency
AddressKEY WEST, FL 33040
Agreement
AmountAmount Recorded
Term237 Months
DueMay 31, 2043

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address3409 FLAGLER AVE, KEY WEST, FL 33040-4607
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3409 FLAGLER AVE, KEY WEST, FL 33040-4607

Mortgage

Document Number0030640864
DateDec 21, 2020
Book Page3064/864
Instrument2296053
Lender
NameFIRST HORIZON BANK
TypeBank
AddressMEMPHIS, TN 38103
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$337,775 (+5.99%)$507,315 (-3.44%) Land $339,900 Building $167,415
2024$2,800.00 (+2.04%)
2023$2,744.00 (+3.27%) Senior Citizen's exemption$318,696 (+3%)$525,380 (+22.87%) Land $374,920 Building $150,460
2022$2,657.00 Senior Citizen's exemption$309,414$427,580 Land $292,520 Building $135,060

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 298 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies298 in force
Nearby Flood Claims232 (1979–2022)
Most Recent ClaimSep 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 RiskNot 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

ProviderMax 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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