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3645 Northside Ct, Key West, FL 33040 Property Records

Monroe County property record for 3645 Northside Ct, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,566 sqft · built 1965
Lot Size0.139 acres (6,045 sqft)
Owner2 Individual Names on Record
Last Sale$825,000 (Aug 2026)
Tax Bill$6,001 (2025)
Deeds & MortgagesAug 2026 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00055880-000000

Property Details

APN / Parcel Number

Primary APN00055880-000000
Alternative APNs
  • 01010100055880000000
  • 1056421

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,566 sqft Living Area
1st Floor Area1,566 sqft
FlooringConcrete/Cement
Interior WallsPlywood

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1995
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialAsphalt
Lot Area6,045 sqft (0.139 acres)
Lot Dimensions100 ft deep x 60 ft wide
Garage TypeCovered
Garage Area230 sqft
PorchOpen Porch
Porch Area331 sqft
Patio Area126 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1056421
Street Address3645 NORTHSIDE CT
CityKEY WEST
StateFL
Zip33040-4258
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF-2
Legal DescriptionBK 1 LT 14 KW PB5-19 PEARLMAN ESTATES SECOND ADDITION OR331-67/68 OR345-427/428 OR681-701 OR702-544D/C OR1394-657L/E OR1394-658L/E OR1394-659L/E OR1824-1951 OR3126-1166
Legal Range25E
Legal Township67S
Legal Section34
Legal SubdivisionPEARLMAN ESTATES SECOND ADDITION
Legal Block1
Legal Lot Number14
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1011
Census Tract971900

Owner

Source: Monroe County records, as of August 28, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address3645 NORTHSIDE CT, KEY WEST, FL 33040-4258
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 21, 2026 · Amount on Record
Deed SaleAug 21, 2026 · Amount on Record
Prior SaleOct 22, 2002 · Amount on Record
Deed Document Number20262557566
Deed Book / Page3398 / 2307
Prior Transfer DateDec 10, 2004
Prior Transfer Doc0001483792
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateAug 21, 2026
Property Address3645 NORTHSIDE CT, KEY WEST, FL 33040-4258
Document Number0002557566
Book / Page3398 / 2307
Instrument DateAug 19, 2026
Instrument20262557566
Transaction TypeTransfer
Record UpdatedAug 28, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$583,275.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3645 NORTHSIDE CT, KEY WEST, FL 33040-4258

Mortgage

Document Number0002557567,
DateAug 21, 2026
Instrument20262557567
Lender
NameFIRST HORIZON BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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$6,001.00 (-2.17%) Homeowner's exemption$702,521 (-1.61%)$709,987 (-4.86%) Land $493,725 Building $216,262
2024$6,134.00 (+4.05%)
2023$5,895.00 (+11.14%) Homeowner's exemption$714,030 (+13.4%)$746,287 (+18.52%) Land $544,594 Building $201,693
2022$5,304.00 Homeowner's exemption$629,650 Land $424,903 Building $204,747$629,650 Land $424,903 Building $204,747

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 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 Record
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

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

ProviderMax 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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