3740 Duck Ave, Key West, FL 33040 Property Records

Monroe County property record for 3740 Duck Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,123 sqft · built 1953
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$648,000 (Oct 2020)
Tax Bill	$5,504 (2024)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00053790-000000`

Property Details

APN / Parcel Number

Primary APN	`00053790-000000`
Alternative APNs	`01010100053790000000` `1054411`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,123 sqft Living Area
1st Floor Area	1,123 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2010
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	120 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	44 sqft
Patio Area	426 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1054411
Old Parcel Number	01010100053790000000
Street Address	3740 DUCK AVE
City	KEY WEST
State	FL
Zip	33040-4424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 13 LT 23 KW FWDN SUB PLAT 2 PB1-189 G73-281/83 OR1350-333 OR1380-493/4 OR1405-2319 OR2721-2426/27 OR2740-829/31
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	KEY WEST FOUNDATION CO PLAT NO 2
Legal Block	13
Legal Lot Number	23
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3001
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3740 DUCK AVE, KEY WEST, FL 33040-4424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 17, 2017	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2020 · Amount on Record
Deed Sale	Oct 29, 2020 · Amount on Record
Prior Sale	Jan 17, 2017 · Amount on Record
Deed Document Number	2288617
Deed Book / Page	3053 / 1407
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 29, 2020
Property Address	3740 DUCK AVE, KEY WEST, FL 33040-4424
Document Number	0030531407
Book / Page	3053 / 1407
Map Reference	MB 1 PG 189
Instrument Date	Oct 23, 2020
Instrument	2288617
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,536.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3740 DUCK AVE, KEY WEST, FL 33040-4424

Mortgage

Document Number	0030531410
Date	Oct 29, 2020
Instrument	3053/1410

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 17, 2017
Property Address	3740 DUCK AVE, KEY WEST, FL 33040-4424
Document Number	0028350291
Book / Page	2835 / 0291
Map Reference	MB1 PG189
Instrument Date	Jan 13, 2017
Instrument	2107079
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,668.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1916 CRESCENT LAKE DR, 1916, SAINT PETERSBURG, FL 33704-3324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3740 DUCK AVE, KEY WEST, FL 33040-4424

Mortgage

Document Number	0002107080
Date	Jan 17, 2017
Instrument	2107080

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

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		$676,090 (-0.01%)	$766,294 (-4.15%) Land $495,000 Building $271,294
2024	$5,504.00 (+3.61%)
2023	$5,312.00 (+9.53%) Homeowner's exemption	$676,148 (+10.9%)	$799,503 (+17.12%) Land $546,000 Building $253,503
2022	$4,850.00 Homeowner's exemption	$609,667	$682,641 Land $426,000 Building $256,641

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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	Hurricane Irma, Sep 2017 · 32 claims Hurricane Wilma, Nov 2005 · 134 claims Hurricane Georges, Sep 1998 · 38 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 130 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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