3539 Northside Dr, Key West, FL 33040 Property Records

Monroe County property record for 3539 Northside Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1964
Lot Size	0.135 acres (5,899 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,500 (Jun 1995)
Tax Bill	$2,176 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00055890-000000`

Property Details

APN / Parcel Number

Primary APN	`00055890-000000`
Alternative APNs	`01010100055890000000` `1056430`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,050 sqft Living Area
1st Floor Area	1,050 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2012
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,899 sqft (0.135 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	240 sqft
Porch	Open Porch
Porch Area	260 sqft
Patio Area	150 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1056430
Old Parcel Number	01010100055890000000
Street Address	3539 NORTHSIDE DR
City	KEY WEST
State	FL
Zip	33040-4298
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2 LT 1 KW PB5-19 PEARLMAN ESTATES SECOND ADDITION OR316-82 OR515-220 OR541-889 OR904-2481Q/C OR906-463/C OR1014-53/54
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	PEARLMAN ESTATES SECOND ADDITION
Legal Block	2
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1011
Census Tract	971900

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3539 NORTHSIDE DR, KEY WEST, FL 33040-4298
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Mar 9, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
May 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage BREEZE FUNDING INC
Jun 3, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 1995 · Amount on Record
Deed Sale	Jun 20, 1995 · Amount on Record
Deed Document Number	0135800488
Deed Book / Page	01358 / 00488
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3539 NORTHSIDE DR, KEY WEST, FL 33040-4298
Transaction Type	Mortgage
Record Updated	Jun 30, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3539 NORTHSIDE DR, KEY WEST, FL 33040-4298

Mortgage

Document Number	0031041863
Date	Jun 11, 2021
Book Page	3104/1863
Instrument	2324766

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jun 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3539 NORTHSIDE DR, KEY WEST, FL 33040-4298
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3539 NORTHSIDE GARCIA, KEY WEST, FL 33040

Mortgage

Document Number	0030800882
Date	Mar 9, 2021
Book Page	3080/882
Instrument	2307552

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	363 Months
Due	Jun 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3539 NORTHSIDE DR, KEY WEST, FL 33040-4298
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029620749
Date	May 3, 2019
Book Page	2962/0749
Instrument	2218415

Lender

Name	BREEZE FUNDING INC
Type	Mortgage Company
Address	LAGUNA HILLS, CA 92653

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	May 1, 2059

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3539 NORTHSIDE DR, KEY WEST, FL 33040-4298
Document Number	0030311078
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3539 NORTHSIDE DR KEY WEST FL 330404298, KEY WEST, FL 33040-4298

Mortgage

Document Number	0030311078
Date	Jul 13, 2020
Book Page	003031/001078
Instrument	2272802

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2050

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		$254,605 (+5.99%)	$697,234 (-3.27%) Land $422,573 Building $274,661
2024	$2,176.00 (+2.21%)
2023	$2,129.00 (+4.72%) Homeowner's exemption	$240,224 (+3%)	$720,776 (+18.06%) Land $466,111 Building $254,665
2022	$2,033.00 Homeowner's exemption	$233,228	$610,524 Land $363,669 Building $246,855

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

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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	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

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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Hotwire Communications, Verizon.

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