3440 Duck Ave, Key West, FL 33040 Property Records

Monroe County property record for 3440 Duck Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,147 sqft · built 2019
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$1,200,000 (Dec 2025)
Tax Bill	$9,158 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Nov 2021 Sale + 4 more
Flood Zone	Zone AE (high risk)
APN	`00053150-000100`

Property Details

APN / Parcel Number

Primary APN	`00053150-000100`
Alternative APN	`9103932`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,147 sqft Living Area
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2021
Exterior Material	Plywood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	9103932
Street Address	3440 DUCK AVE
City	KEY WEST
State	FL
Zip	33040-4427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KW FWDN SUB PLAT 2 PB1-189 LT 22 SQR 10 G48-97/103 OR115-500/02 OR232-424/26 OR423-622/24 ID4-057004 OR702-855/857
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	KEY WEST FOUNDATION CO PLAT NO 2
Legal Lot Number	22
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3013
Census Tract	971900

Owner

3440 Duck Ave is owned and occupied by an individual who bought it in December 2025.

Source: Monroe County records, as of January 14, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3440 DUCK AVE, KEY WEST, FL 33040-4427
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
Dec 18, 2025	Warranty Deed, Transfer · Conventional Mortgage OCMBC INC
Nov 4, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 4, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 9, 2019	Loan Modification, Mortgage CENTENNIAL BK
Apr 3, 2018	Warranty Deed, Construction Loan · Construction Mortgage CENTENNIAL BANK
Aug 19, 2017	Loan Modification, Mortgage CENTENNIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2025 · Amount on File
Deed Sale	Dec 18, 2025 · Amount on File
Prior Sale	Nov 4, 2021 · Amount on File
Deed Document Number	2526004
Deed Book / Page	3358 / 1756
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 18, 2025
Property Address	3440 DUCK AVE, KEY WEST, FL 33040-4427
Document Number	0033581756
Book / Page	3358 / 1756
Map Reference	MB 1 PG 189
Instrument Date	Dec 16, 2025
Instrument	2526004
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	290 RUDYS BLAZE DR, WEWAHITCHKA, FL 32465-3030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 DUCK AVE, KEY WEST, FL 33040-4427

Mortgage

Document Number	0033581758
Date	Dec 18, 2025
Instrument	3358/1758

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 4, 2021
Property Address	3440 DUCK AVE, KEY WEST, FL 33040-4427
Document Number	0031352188
Book / Page	3135 / 2188
Map Reference	MB 1 PG 189
Instrument Date	Oct 29, 2021
Instrument	2347321
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1227 20TH TER, KEY WEST, FL 33040-4505

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 4, 2021
Property Address	3440 DUCK AVE, KEY WEST, FL 33040-4427
Document Number	0031352168
Book / Page	3135 / 2168
Map Reference	MB 1 PG 189
Instrument Date	Oct 29, 2021
Instrument	2347318
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3440 DUCK AVE, 3440, KEY WEST, FL 33040-4427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1227 20TH TER, KEY WEST, FL 33040-4505

Mortgage

Document Number	31352170
Date	Nov 4, 2021
Instrument	3135/2170

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	3440 DUCK AVE, KEY WEST, FL 33040-4427
Document Number	0030001015
Instrument Date	Dec 9, 2019
Transaction Type	Mortgage
Record Updated	Jan 23, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 DUCK AVE KEY WEST FL 330404427, KEY WEST, FL 33040-4427

Mortgage

Document Number	0030001015
Date	Dec 23, 2019
Book Page	003000/001015
Instrument	2249422

Lender

Name	CENTENNIAL BK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 22, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

April 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 3, 2018
Property Address	3440 DUCK AVE, KEY WEST, FL 33040-4427
Document Number	0028990676
Book / Page	2899 / 0676
Map Reference	MB1 PG189
Instrument Date	Mar 30, 2018
Instrument	2162457
Transaction Type	Construction Loan
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1440 GRINNELL ST, KEY WEST, FL 33040-4845

Mortgage

Document Number	0002162459
Date	Apr 3, 2018
Instrument	2162459

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	4%
Type Change Date	Apr 1, 2023
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	3440 DUCK AVE, KEY WEST, FL 33040-4427
Document Number	0028760540
Instrument Date	Aug 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Address	3440 DUCK AVE KEY WEST FL 330404427, KEY WEST, FL 33040-4427

Mortgage

Document Number	0028760540
Date	Oct 24, 2017
Book Page	002876/000540
Instrument	2140928

Lender

Name	CENTENNIAL BK
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Term	24 Months
Due	Oct 23, 2019

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		$1,127,099	$1,183,488 Land $495,000 Building $688,488
2024	$9,158.00 (+1.61%)
2023	$9,013.00 (+4.46%) Homeowner's exemption	$1,063,433 (+3%)	$1,184,544 (+13.77%) Land $546,000 Building $638,544
2022	$8,628.00 Homeowner's exemption	$1,032,460	$1,041,185 Land $396,000 Building $645,185

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

Flood

FEMA maps place 3440 Duck 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 3440 Duck 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.

Nearby Properties on Duck Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures