3749 Duck Ave, Key West, FL 33040 Property Records

Monroe County property record for 3749 Duck Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 2,326 sqft · built 1963
Lot Size	0.31 acres (13,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$950,000 (Feb 2019)
Tax Bill	$9,808 (2024)
Deeds & Mortgages	Apr 2026 Sale Apr 2021 Line of Credit + 6 more
Flood Zone	Zone AE (high risk)
APN	`00054160-000000`

Property Details

APN / Parcel Number

Primary APN	`00054160-000000`
Alternative APNs	`01010100054160000000` `1054780`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,326 sqft Living Area
Gross Area	2,744 sqft
1st Floor Area	2,326 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,500 sqft (0.31 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	418 sqft

Exterior Amenities

Pool Area	406 sqft
Porch	Enclosed Porch
Porch Area	363 sqft
Deck Area	900 sqft
Patio Area	900 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1054780
Street Address	3749 DUCK AVE
City	KEY WEST
State	FL
Zip	33040-4423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-2
Legal Description	KW FWDN SUB PLAT 2 PB1-189 LOTS 1 & 2 SQR 16 OR148-512/13 OR446-330 OR1122-2171/72P/R OR1246-1368/69 OR1474-1367/1368M/T OR1513-1374 OR2824-814C/T OR2834-2355/56 OR2949-1320
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	KEY WEST FOUNDATION COS PLAT NO 2
Legal Lot Number	1,2
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1021
Census Tract	971900

Owner

Source: Monroe County records, as of May 5, 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	3749 DUCK AVE, KEY WEST, FL 33040-4423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Apr 19, 2021	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NATIONAL ASSOCIATION
Feb 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage NFM LNDG
Sep 27, 2019	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK
Feb 19, 2019	Warranty Deed, Transfer · Conventional Mortgage NFM LNDG
Jan 13, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2019 · Amount on Record
Deed Sale	Feb 19, 2019 · Amount on Record
Prior Sale	Jan 13, 2017 · Amount on Record
Deed Document Number	20192207031
Deed Book / Page	2949 / 1320
Last Transfer Date	Feb 27, 2026
Transfer Doc	0002540700
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE FL
Recording Date	Apr 23, 2026
Property Address	3749 DUCK AVE, KEY WEST, FL 33040-4423
Document Number	0002540700
Book / Page	3377 / 1141
Instrument Date	Feb 27, 2026
Instrument	20262540700
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3749 DUCK AVE, KEY WEST, FL 33040-4423

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3749 DUCK AVE, KEY WEST, FL 33040-4423
Transaction Type	Mortgage
Record Updated	Apr 30, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3749 DUCK AVE, KEY WEST, FL 33040-4423

Mortgage

Document Number	0030901168
Date	Apr 19, 2021
Book Page	3090/1168
Instrument	2314753

Lender

Name	SOUTH STATE BANK NATIONAL ASSOCIATION
Type	Bank
Address	JACKSONVILLE, FL 32224

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 25, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3749 DUCK AVE, KEY WEST, FL 33040-4423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028381764
Date	Feb 9, 2017
Book Page	2838/1764
Instrument	2109941

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3749 DUCK AVE, KEY WEST, FL 33040-4423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030650634
Date	Dec 28, 2020
Book Page	3065/634
Instrument	2296584

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3749 DUCK AVE, KEY WEST, FL 33040-4423
Document Number	0029880116
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3749 DUCK AVE KEY WEST FL 330404423, KEY WEST, FL 33040-4423

Mortgage

Document Number	0029880116
Date	Oct 3, 2019
Book Page	002988/000116
Instrument	2239401

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3749 DUCK AVE, KEY WEST, FL 33040-4423
Document Number	0029880127
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3749 DUCK AVE KEY WEST FL 330404423, KEY WEST, FL 33040-4423

Mortgage

Document Number	0029880127
Date	Oct 3, 2019
Book Page	002988/000127
Instrument	2239402

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2049

Interest

Rate Type	Adjustable Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 19, 2019
Property Address	3749 DUCK AVE, KEY WEST, FL 33040-4423
Document Number	0029491320
Book / Page	002949 / 001320
Instrument Date	Feb 13, 2019
Instrument	2207031
Transaction Type	Transfer
Record Updated	Mar 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,650.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3749 DUCK AVE KEY WEST FL 330404423, KEY WEST, FL 33040-4423

Mortgage

Document Number	29491323
Date	Feb 19, 2019
Book Page	002949/001323
Instrument	2207032

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2049

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Jan 13, 2017
Property Address	3749 DUCK AVE, KEY WEST, FL 33040-4423
Document Number	0028342355
Book / Page	002834 / 002355
Instrument Date	Jan 9, 2017
Instrument	2106901
Transaction Type	Transfer
Record Updated	Feb 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,638.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1319 OLIVIA ST KEY WEST FL 330407222, KEY WEST, FL 33040-7222

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$1,257,804 (+1.29%) Land $641,520 Building $616,284	$1,257,804 (+1.29%) Land $641,520 Building $616,284
2024	$9,808.00 (+6.3%)
2023	$9,227.00 (+12.31%)	$1,241,836 (+14.07%) Land $707,616 Building $534,220	$1,241,836 (+14.07%) Land $707,616 Building $534,220
2022	$8,216.00	$1,088,684 Land $552,096 Building $536,588	$1,088,684 Land $552,096 Building $536,588

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 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 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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