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3515 17th Ter, Key West, FL 33040 Property Records

Monroe County property record for 3515 17th Ter, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,874 sqft · built 1965
Lot Size0.133 acres (5,800 sqft)
OwnerIndividual Name on File
Last Sale$499,000 (Aug 2018)
Tax Bill$5,655 (2024)
Deeds & MortgagesJan 2026 Mortgage
Aug 2018 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00056980-000000

Property Details

APN / Parcel Number

Primary APN00056980-000000
Alternative APNs
  • 01010100056980000000
  • 1057461

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,874 sqft Living Area
1st Floor Area1,874 sqft
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1995
Exterior MaterialOther
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,800 sqft (0.133 acres)
Lot Dimensions100 ft deep x 58 ft wide
Garage TypeCarport
CarportCarport

Exterior Amenities

Pool TypePublic / Commercial Pool
Deck Area526 sqft
Patio Area60 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1057461
Old Parcel Number01010100056980000000
Street Address3515 17TH TER
CityKEY WEST
StateFL
Zip33040-4242
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKW PEARLMAN HEIGHTS PB4-85 LOT 2 BLK 2 OR285-573/74 OR502-893 OR813-151/52 OR884-774/75 OR977-2482 OR1026-1843 OR1059-1198/99
Legal Range25E
Legal Township67S
Legal Section34
Legal SubdivisionPEARLMAN HEIGHTS
Legal Block2
Legal Lot Number2
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1011
Census Tract971900

Owner

3515 17th Ter is owned and occupied by an individual who bought it in August 2018.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address3515 17TH TER, KEY WEST, FL 33040-4242
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jan 30, 2026Deed of Trust, Mortgage · Conventional Mortgage
FIRST HORIZON BANK
Aug 1, 2018Warranty Deed, Transfer · FHA Mortgage
IBERIABANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 1, 2018 · Amount on File
Deed SaleAug 1, 2018 · Amount on File
Prior SaleMar 6, 1996 · Amount on File
Deed Document Number2180461
Deed Book / Page2919 / 2366
Record UpdatedJun 8, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address3515 17TH TER, KEY WEST, FL 33040-4242
Transaction TypeMortgage
Record UpdatedFeb 19, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address3515 17TH TER, KEY WEST, FL 33040-4242

Mortgage

Document Number0033640534
DateJan 30, 2026
Book Page3364/534
Instrument2530286
Lender
NameFIRST HORIZON BANK
TypeBank
AddressMEMPHIS, TN 38103
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2056

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateAug 1, 2018
Property Address3515 17TH TER, KEY WEST, FL 33040-4242
Document Number0029192366
Book / Page2919 / 2366
Map ReferenceMB4 PG85
Instrument DateJul 19, 2018
Instrument2180461
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,493.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1421 NORTHEAST EXPY NE, 1421, BROOKHAVEN, GA 30329-2301

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address3515 17TH TER # 3, 3, KEY WEST, FL 33040-4242

Mortgage

Document Number0002180462
DateAug 1, 2018
Instrument2180462
Lender
NameIBERIABANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2048

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$689,351$733,451 Land $478,500 Building $254,951
2024$5,655.00 (+1.76%)
2023$5,557.00 (+4.51%) Homeowner's exemption$650,196 (+3%)$746,767 (+18.3%) Land $527,800 Building $218,967
2022$5,317.00 Homeowner's exemption$631,259 Land $411,800 Building $219,459$631,259 Land $411,800 Building $219,459

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

Flood

FEMA maps place 3515 17th 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 532 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies721 units insured
incl. 189 condo units
Nearby Flood Claims473 (1980–2026)
Claims Outside the SFHA3 of 473
Most Recent ClaimJun 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 3515 17th 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 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 236 locations within half a mile, as of December 31, 2025

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

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

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