3801 Flagler Ave, Key West, FL 33040 Property Records

Monroe County property record for 3801 Flagler Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,656 sqft · built 2011
Lot Size	0.218 acres (9,500 sqft)
Owner	2 Individual Names on File
Last Sale	$1,925,000 (Jan 2026)
Tax Bill	$5,101 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2021 Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`00052000-000000`

Property Details

APN / Parcel Number

Primary APN	`00052000-000000`
Alternative APNs	`01010100052000000000` `1052639`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,656 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	1,416 sqft
Attic	Attic
Attic Area	480 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2016
Exterior Material	Other
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,500 sqft (0.218 acres)
Lot Dimensions	100 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	696 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	96 sqft
Deck Area	150 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1052639
Street Address	3801 FLAGLER AVE
City	KEY WEST
State	FL
Zip	33040-4530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-2
Legal Description	KW KW FWDN SUB PLAT 1 PB1-155 LOT 21 LESS THE ELY 5 LOT 21 AND ALL LOTS 22 23 24 SQR 1 G41-210/11 G48-192/93 OR784-419/27 OR827-983 OR833-1988 OR1031-1253R/S OR1586-800/01 OR2815-567ORD OR2837-377/78 OR2883-1759/60
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	KEY WEST FOUNDATION COS PLAT NO 1
Legal Lot Number	21,22
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3006
Census Tract	971900

Owner

3801 Flagler Ave is owned and occupied by two individuals who bought it in January 2026.

Source: Monroe County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23 BOULDER DR, KEY WEST, FL 33040-6104
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jul 10, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jan 14, 2026	Warranty Deed, Transfer · Conventional Mortgage PRIME MERIDIAN BANK
Dec 20, 2017	Warranty Deed, Transfer · Conventional Mortgage BRANCH BK&TR
Jan 31, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2026 · Amount on File
Deed Sale	Jan 14, 2026 · Amount on File
Prior Sale	Dec 20, 2017 · Amount on File
Deed Document Number	20262528508
Deed Book / Page	3362 / 331
Prior Transfer Date	Jan 19, 2017
Prior Transfer Doc	0028370377
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3801 FLAGLER AVE, KEY WEST, FL 33040-4530
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3801 FLAGLEY AVE, KEY WEST, FL 33040-4530

Mortgage

Document Number	0030680937
Date	Jan 11, 2021
Book Page	3068/937
Instrument	2298859

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3801 FLAGLER AVE, KEY WEST, FL 33040-4530
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3801 FLAGLER AVE AYE, KEY WEST, FL 33040-4530

Mortgage

Document Number	0031240846
Date	Sep 7, 2021
Book Page	3124/846
Instrument	2338545

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3801 FLAGLER AVE, KEY WEST, FL 33040-4530
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3801 FLAGLER AVE, KEY WEST, FL 33040-4530

Mortgage

Document Number	0031700413
Date	Apr 26, 2022
Book Page	3170/413
Instrument	2372725

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Mar 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3801 FLAGLER AVE, KEY WEST, FL 33040-4530
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3801 FLAGLER AVE, KEY WEST, FL 33040-4530

Mortgage

Document Number	0033341780
Date	Jul 10, 2025
Book Page	3334/1780
Instrument	2507433

Lender

Name	TRUIST BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 16, 2055

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 14, 2026
Property Address	3801 FLAGLER AVE, KEY WEST, FL 33040-4530
Document Number	0033620331
Book / Page	3362 / 331
Map Reference	MB 1 PG 155
Instrument Date	Jan 9, 2026
Instrument	2528508
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1614 WASHINGTON ST, KEY WEST, FL 33040-4914

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 BOULDER DR, KEY WEST, FL 33040-6104

Mortgage

Document Number	0003362333
Date	Jan 14, 2026
Instrument	3362/333

Lender

Name	PRIME MERIDIAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Margin	3
Max Rate	10.7%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 20, 2017
Property Address	3801 FLAGLER AVE, KEY WEST, FL 33040-4530
Document Number	0028831759
Book / Page	002883 / 001759
Instrument Date	Dec 15, 2017
Instrument	2147973
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3801 FLAGLER AVE KEY WEST FL 330404530, KEY WEST, FL 33040-4530

Mortgage

Document Number	28831761
Date	Dec 20, 2017
Book Page	002883/001761
Instrument	2147974

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2047

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jan 31, 2017
Property Address	3801 FLAGLER AVE, KEY WEST, FL 33040-4530
Document Number	0028370377
Book / Page	002837 / 000377
Instrument Date	Jan 19, 2017
Instrument	2108781
Transaction Type	Transfer
Record Updated	Mar 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 3801 Flagler Ave was $5,101 with a homeowner's exemption, up 4.4% from the year before.

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	$5,101.00 (+4.42%) Homeowner's exemption	$593,168	$928,866 Land $595,650 Building $333,216
2024	$4,885.00 (+1.77%)
2023	$4,800.00 (+11.01%) Homeowner's exemption	$559,662 (+9.55%)	$954,878 (+23.27%) Land $657,020 Building $297,858
2022	$4,324.00 Homeowner's exemption	$510,886	$774,615 Land $512,620 Building $261,995

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3801 Flagler 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	8.0 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	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

The area around 3801 Flagler 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.

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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