Monroe County property record for 3544 Duck Ave, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,592 sqft · built 1953 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $660,000 (May 2025) |
| Tax Bill | $4,144 (2024) |
| Deeds & Mortgages | Feb 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00053380-000000 |
| Primary APN | 00053380-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,592 sqft Living Area |
| 1st Floor Area | 1,592 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
| Deck Area | 260 sqft |
| Patio Area | 620 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1053996 |
|---|---|
| Street Address | 3544 DUCK AVE |
| City | KEY WEST |
| State | FL |
| Zip | 33040-4429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF-2 |
| Legal Description | KW FWDN SUB PLAT 2 PB1-189 LOT 23 SQR 11 G43-483 OR922-181 OR2629-1375 OR2698-894 OR3294-0476 |
| Legal Range | 25E |
| Legal Township | 67S |
| Legal Section | 34 |
| Legal Subdivision | KEY WEST FOUNDATION COS PLAT NO 2 |
| Legal Lot Number | 23 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 971900 |
3544 Duck Ave is owned and occupied by two individuals who bought it in May 2025.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3544 DUCK AVE, KEY WEST, FL 33040-4429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 | May 23, 2025 · Amount on File |
| Deed Sale | May 23, 2025 · Amount on File |
| Prior Sale | Sep 1, 1984 · Amount on File |
| Deed Document Number | 20252502037 |
| Deed Book / Page | 3327 / 1493 |
| Prior Transfer Date | Sep 25, 2024 |
| Prior Transfer Doc | 0032940476 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 3544 DUCK AVE, KEY WEST, FL 33040-4429 |
| Document Number | 0030110494 |
| Instrument Date | Feb 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3544 DUCK AVE KEY WEST FL 330404429, KEY WEST, FL 33040-4429 |
| Document Number | 0030110494 |
|---|---|
| Date | Feb 28, 2020 |
| Book Page | 003011/000494 |
| Instrument | 2257988 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | LAFAYETTE, LA 70501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 27, 2050 |
Source: Monroe County assessment roll, as of December 8, 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 | $500,529 | $792,028 Land $495,000 Building $297,028 | |
| 2024 | $4,144.00 (+1.84%) | ||
| 2023 | $4,069.00 (+4.55%) Homeowner's exemption | $472,256 (+3%) | $826,229 (+15.9%) Land $546,000 Building $280,229 |
| 2022 | $3,892.00 Homeowner's exemption | $458,501 | $712,871 Land $426,000 Building $286,871 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3544 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 |
|
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 3544 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.
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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