3446 Riviera Dr, Key West, FL 33040 Property Records

Monroe County property record for 3446 Riviera Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,124 sqft · built 1963
Lot Size	0.312 acres (13,570 sqft)
Owner	Individual Name on Record
Last Sale	$3,000,000 (Apr 2026)
Tax Bill	$17,420 (2024)
Deeds & Mortgages	Apr 2026 Sale Apr 2023 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00069880-000000`

Property Details

APN / Parcel Number

Primary APN	`00069880-000000`
Alternative APNs	`01010100069880000000` `1073733`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,124 sqft Living Area
Gross Area	3,474 sqft
1st Floor Area	3,124 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,570 sqft (0.312 acres)
Lot Dimensions	130 ft deep x 104 ft wide
Garage Type	Attached
Garage Area	350 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	371 sqft
Deck Area	4,819 sqft
Patio Area	4,819 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1073733
Street Address	3446 RIVIERA DR
City	KEY WEST
State	FL
Zip	33040-4611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-2
Legal Description	BK 5 LOTS 1-2-3 AND THE ELY 13.5 FT OF LOT 4 RIVIERA SHORES SUBDIVISION PB3-148 OR139-89/90 OR481-664 OR717-446 OR880-1642/43 OR1040-114/116 OR1040-117 OR1100-600 OR1182-2036 OR1348-2377 OR2429-57/58 OR2630-754D/C OR3159-1761
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	RIVIERA SHORES SUB
Legal Block	5
Legal Lot Number	1-2,4
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2000
Census Tract	972000

Owner

Source: Monroe County records, as of April 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1130 THOMAS RD, BEAUMONT, TX 77706-4625
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 20, 2023	Deed of Trust, Mortgage · Commercial Mortgage CAPITAL FUNDING FINANCIAL LLC
Mar 9, 2022	Warranty Deed, Transfer · Commercial Mortgage CAPITAL FUNDING FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Prior Sale	Mar 9, 2022 · Amount on Record
Deed Document Number	20262538307
Deed Book / Page	3374 / 811
Prior Transfer Date	Aug 13, 2009
Prior Transfer Doc	0024290057
Record Updated	Jun 8, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 6, 2026
Property Address	3446 RIVIERA DR, KEY WEST, FL 33040-4611
Document Number	0002538307
Book / Page	3374 / 811
Instrument Date	Apr 2, 2026
Instrument	20262538307
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$2,121,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1130 THOMAS RD, BEAUMONT, TX 77706-4625

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3446 RIVIERA DR, KEY WEST, FL 33040-4611
Transaction Type	Mortgage
Record Updated	Jun 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2192 RINGWOOD AVE, SAN JOSE, CA 95131-1720

Mortgage

Document Number	0032211479
Date	Apr 20, 2023
Book Page	3221/1479
Instrument	2414801

Lender

Name	CAPITAL FUNDING FINANCIAL LLC
Address	BOCA RATON, FL 33431

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 9, 2022
Property Address	3446 RIVIERA DR, KEY WEST, FL 33040-4611
Document Number	0031591761
Book / Page	3159 / 1761
Map Reference	MB 3 PG 148
Instrument Date	Mar 4, 2022
Instrument	2364912
Transaction Type	Transfer
Record Updated	Apr 4, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,294.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1056, REMSENBURG, NY 11960-1056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7901 4TH ST N STE 300, 300, SAINT PETERSBURG, FL 33702-4399

Mortgage

Document Number	0031591763
Date	Mar 9, 2022
Instrument	3159/1763

Lender

Name	CAPITAL FUNDING FINANCIAL LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Apr 1, 2023

Tax Assessment & Valuation

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		$2,004,930 (-6.23%) Land $1,273,409 Building $731,521	$2,004,930 (-6.23%) Land $1,273,409 Building $731,521
2024	$17,420.00 (-5.04%)
2023	$18,344.00 (+204.92%)	$2,138,079 (+198.45%) Land $1,451,040 Building $687,039	$2,138,079 (+21.41%) Land $1,451,040 Building $687,039
2022	$6,016.00 Senior Citizen's exemption	$716,406	$1,760,977 Land $1,144,222 Building $616,755

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 247 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	415 units insured incl. 168 condo units
Nearby Flood Claims	496 (1980–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 33 claims Hurricane Wilma, Oct 2005 · 321 claims Hurricane Georges, Sep 1998 · 69 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 Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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