Monroe County property record for 35E 12th Ave, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,109 sqft · built 1972 |
| Lot Size | 0.082 acres (3,570 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $440,000 (Jun 2025) |
| Tax Bill | $1,258 (2024) |
| Deeds & Mortgages | Mar 2026 Mortgage Dec 2022 Reverse Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00129520-000000 |
| Primary APN | 00129520-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,109 sqft Living Area |
| 1st Floor Area | 1,109 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 3,570 sqft (0.082 acres) |
| Garage Type | Covered |
| Garage Area | 187 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 52 sqft |
| Deck Area | 200 sqft |
| Patio Area | 400 sqft |
| Cooling System | Wall Unit |
|---|
| Account Number | 1163686 |
|---|---|
| Street Address | 35E 12TH AVE |
| City | KEY WEST |
| State | FL |
| Zip | 33040-5871 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK E LOT 35 LINCOLN GARDENS #2 PB5-90 STOCK ISLAND OR375-62 OR508-679 OR1638-159 OR2261-1868 |
| Legal Range | 25E |
| Legal Township | 67S |
| Legal Section | 35 |
| Legal Subdivision | LINCOLN GARDENS NO 2 |
| Legal Block | E |
| Legal Lot Number | 35 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 971800 |
Source: Monroe County records, as of May 12, 2026
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 | 35E 12TH AVE, KEY WEST, FL 33040-5871 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 4, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP |
| Dec 5, 2022 | Deed of Trust, Mortgage · Reverse Mortgage OPEN MORTGAGE LLC |
| Mar 11, 2020 | Deed of Trust, Mortgage · Reverse Mortgage USDA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2025 · Amount on Record |
| Deed Sale | Jun 24, 2025 · Amount on Record |
| Prior Sale | Feb 1, 1973 · Amount on Record |
| Deed Document Number | 20252505483 |
| Deed Book / Page | 3331 / 2425 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 35E 12TH AVE, KEY WEST, FL 33040-5871 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 35E 12TH AVE, KEY WEST, FL 33040-5871 |
| Document Number | 0033690795 |
|---|---|
| Date | Mar 4, 2026 |
| Book Page | 3369/795 |
| Instrument | 2534488 |
| Name | MASON MCDUFFIE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 35E 12TH AVE, KEY WEST, FL 33040-5871 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 35E 12TH AVE, KEY WEST, FL 33040-5871 |
| Document Number | 0032031527 |
|---|---|
| Date | Dec 5, 2022 |
| Book Page | 3203/1527 |
| Instrument | 2399416 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78737 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 782 Months |
| Due | Feb 23, 2088 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.27% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2023 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 12.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 35E 12TH AVE, KEY WEST, FL 33040-5871 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030130467 |
|---|---|
| Date | Mar 11, 2020 |
| Book Page | 3013/467 |
| Instrument | 2259583 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 815 Months |
| Due | Feb 23, 2088 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.13% |
| Type Change Date | Apr 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $134,533 (+5.99%) | $488,514 (+7.37%) Land $299,880 Building $188,634 | |
| 2024 | $1,258.00 (+10.54%) | ||
| 2023 | $1,138.00 (+0.09%) Senior Citizen's exemption | $126,934 (+3%) | $454,976 (+13.17%) Land $278,460 Building $176,516 |
| 2022 | $1,137.00 Senior Citizen's exemption | $123,237 | $402,027 Land $239,190 Building $162,837 |
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.
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 294 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 332 units insured incl. 38 condo units |
| Nearby Flood Claims | 201 (1980–2022) |
| Claims Outside the SFHA | 2 of 201 |
| 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.
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 279 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: Verizon.
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