4 Emerald Dr, Key West, FL 33040 Property Records

Monroe County property record for 4 Emerald Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,765 sqft · built 1981
Lot Size	0.183 acres (8,000 sqft)
Owner	Company Name on File
Last Sale	$1,285,000 (Jan 2025)
Tax Bill	$9,568 (2024)
Deeds & Mortgages	Feb 2020 Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00156220-000000`

Property Details

APN / Parcel Number

Primary APN	`00156220-000000`
Alternative APNs	`22672600156220000000` `1201642`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,765 sqft Living Area
1st Floor Area	1,829 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2018
Exterior Material	Combination
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,000 sqft (0.183 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	806 sqft
Deck Area	162 sqft
Patio Area	1,080 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1201642
Old Parcel Number	22672600156220000000
Street Address	4 EMERALD DR
City	KEY WEST
State	FL
Zip	33040-5636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 9 LT 4 PORPOISE POINT SECTION 5 BIG COPPITT KEY PB5-119 OR490-345 OR797-2466 OR1485-1881 OR2776-2427 OR2835-738
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	PORPOISE POINT SEC 5
Legal Block	9
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1008
Census Tract	971700

Owner

Source: Monroe County records · APN 00156220-000000

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Company Name on File
Mailing Address	3450 S RIDGEWOOD AVE, PORT ORANGE, FL 32129-3531
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 25, 2021	Warranty Deed, Transfer · VA Mortgage NATIONAL BANK OF KANSAS CITY
Jan 18, 2017	Personal Representative Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 08, 2025 · Amount on Record
Deed Sale	Jan 08, 2025 · Amount on Record
Prior Sale	Aug 25, 2021 · Amount on Record
Deed Document Number	2485830
Deed Book / Page	3307 / 369
Record Updated	Jun 08, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	4 EMERALD DR, KEY WEST, FL 33040-5636
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030110335
Date	Feb 28, 2020
Book Page	3011/335
Instrument	2257928

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2050

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 25, 2021
Property Address	4 EMERALD DR, KEY WEST, FL 33040-5636
Document Number	0031211963
Book / Page	3121 / 1963
Map Reference	MB 5 PG 119
Instrument Date	Aug 23, 2021
Instrument	2336860
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$7,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	529 SIMONTON ST, 529, KEY WEST, FL 33040-6872

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2047 HALSEY DR, KEY WEST, FL 33040-7077

Mortgage

Document Number	0031211965
Date	Aug 25, 2021
Instrument	3121/1965

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

January 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	MONROE FL
Recording Date	Jan 18, 2017
Property Address	4 EMERALD DR, KEY WEST, FL 33040-5636
Document Number	0028350738
Book / Page	2835 / 0738
Map Reference	MB5 PG119
Instrument Date	Dec 29, 2016
Instrument	2107177
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2350 S DIXIE HWY, 2350, MIAMI, FL 33133-2314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 EMERALD DR, KEY WEST, FL 33040-5636

Mortgage

Document Number	0002107178
Date	Jan 18, 2017
Instrument	2107178

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2047

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,042,336 (+2.03%) Land $564,000 Building $478,336	$1,042,336 (+2.03%) Land $564,000 Building $478,336
2024	$9,568.00 (+3.42%)
2023	$9,252.00 (+9.92%) Senior Citizen's exemption	$1,021,634 (+16.71%) Land $488,000 Building $533,634	$1,021,634 (+16.71%) Land $488,000 Building $533,634
2022	$8,417.00	$875,333 Land $336,000 Building $539,333	$875,333 Land $336,000 Building $539,333

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 243 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	245 units insured incl. 2 condo units
Nearby Flood Claims	456 (1980–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 56 claims Hurricane Wilma, Oct 2005 · 178 claims Hurricane Georges, Sep 1998 · 180 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 217 locations within half a mile of this property.

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