Monroe County property record for 3435 16th Ter, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,763 sqft · built 1965 |
| Lot Size | 0.133 acres (5,800 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $255,000 (Oct 2001) |
| Tax Bill | $2,784 (2024) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00056890-000000 |
| Primary APN | 00056890-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,763 sqft Living Area |
| 1st Floor Area | 1,763 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Other |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,800 sqft (0.133 acres) |
| Lot Dimensions | 100 ft deep x 58 ft wide |
| Garage Area | 216 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 80 sqft |
| Patio Area | 433 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1057371 |
|---|---|
| Old Parcel Number | 01010100056890000000 |
| Street Address | 3435 16TH TER |
| City | KEY WEST |
| State | FL |
| Zip | 33040-4240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KW PEARLMAN HEIGHTS PB4-85 LOT 2 BLK 1 OR209-359/60 OR1658-951/58 OR1711-331 OR1711-332/33 OR1711-334/35 OR1733-767/68 |
| Legal Range | 25E |
| Legal Township | 67S |
| Legal Section | 34 |
| Legal Subdivision | PEARLMAN HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 971900 |
The current owner of 3435 16th Ter bought it in October 2001.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 3435 16TH TER, KEY WEST, FL 33040-4240 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2001 · Amount on File |
| Deed Sale | Oct 22, 2001 · Amount on File |
| Deed Document Number | 0173300767 |
| Deed Book / Page | 01733 / 00767 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 3435 16TH TER, KEY WEST, FL 33040-4240 |
| Document Number | 0030172473 |
| Instrument Date | Apr 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3435 16TH TER KEY WEST FL 330404240, KEY WEST, FL 33040-4240 |
| Document Number | 0030172473 |
|---|---|
| Date | Apr 14, 2020 |
| Book Page | 003017/002473 |
| Instrument | 2263045 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 13, 2050 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $330,631 | $704,447 Land $478,500 Building $225,947 | |
| 2024 | $2,784.00 (+2.02%) | ||
| 2023 | $2,729.00 (+4.68%) Homeowner's exemption | $311,955 (+3%) | $732,545 (+18.22%) Land $527,800 Building $204,745 |
| 2022 | $2,607.00 Homeowner's exemption | $302,869 | $619,656 Land $411,800 Building $207,856 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3435 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 |
|
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 3435 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.
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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