40 Merganser Ln, Key West, FL 33040 Property Records

Monroe County property record for 40 Merganser Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 780 sqft · built 1995
Lot Size	0.033 acres (1,425 sqft)
Owner	2 Trust Names on File
Last Sale	$380,000 (Mar 2021)
Tax Bill	$4,648 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Aug 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`00072081-000120`

Property Details

APN / Parcel Number

Primary APN	`00072081-000120`
Alternative APNs	`26672500072081000120` `8876441`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	780 sqft Living Area
1st Floor Area	780 sqft
Flooring	Ceramic Tile
Interior Walls	Wood

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2016
Exterior Material	Combination
Construction Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,425 sqft (0.033 acres)
Lot Dimensions	86 ft deep x 17 ft wide
Porch	Unfinished Open Porch
Porch Area	276 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8876441
Street Address	40 MERGANSER LN
City	KEY WEST
State	FL
Zip	33040-4372
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD
Legal Description	TOWNHOME UNIT 24 KEY WEST GOLF CLUB DEVELOPMENT OR1377-750 OR1379-2062 OR2004-1198 OR2373-917 OR2379-1704 OR2414-2478 OR2628-1895 OR2922-1353 OR3080-1489 OR3301-1882
Legal Range	25E
Legal Township	67S
Legal Section	26
Legal Subdivision	STOCK ISLAND
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1024
Census Tract	971900

Owner

40 Merganser Ln is held in a trust since November 2024.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Trust Names on File
Mailing Address	1604 GERALDINE DR, JACKSONVILLE, FL 32205-9210
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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
Mar 10, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Aug 16, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2021 · Amount on File
Deed Sale	Mar 10, 2021 · Amount on File
Prior Sale	Aug 16, 2018 · Amount on File
Deed Document Number	20212307754
Deed Book / Page	3080 / 1489
Last Transfer Date	Nov 26, 2024
Transfer Doc	0033011882
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 10, 2021
Property Address	40 MERGANSER LN, KEY WEST, FL 33040-4372
Document Number	0030801489
Book / Page	3080 / 1489
Map Reference	MB 1377 PG 750
Instrument Date	Mar 8, 2021
Instrument	2307754
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	MIDFLORIDA TITLE PROFESSIONALS, FLORIDA TITLE PROFESSIONAL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 GO LN, KEY WEST, FL 33040-4512

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1604 GERALDINE DR, JACKSONVILLE, FL 32205-9210

Mortgage

Document Number	0030801492
Date	Mar 10, 2021
Instrument	3080/1492

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 16, 2018
Property Address	40 MERGANSER LN, KEY WEST, FL 33040-4372
Document Number	0029221353
Book / Page	002922 / 001353
Instrument Date	Aug 16, 2018
Instrument	2182792
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,394.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1613 JAMAICA DR KEY WEST FL 330405230, KEY WEST, FL 33040-5230

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		$487,334 Land $300,889 Building $186,445	$487,334 Land $300,889 Building $186,445
2024	$4,648.00 (+6.22%)
2023	$4,376.00 (+15.46%)	$508,887 (+25.61%) Land $369,873 Building $139,014	$508,887 (+25.61%) Land $369,873 Building $139,014
2022	$3,790.00	$405,136 Land $259,058 Building $146,078	$405,136 Land $259,058 Building $146,078

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

Flood

FEMA maps place 40 Merganser Ln 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 40 Merganser Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber · Fixed Wireless, DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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