Monroe County property record for 401 Cactus Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,851 sqft · built 1975 |
| Lot Size | 0.223 acres (9,719 sqft) |
| Owner | Individual Name on File |
| Last Sale | $838,500 (Dec 2019) |
| Tax Bill | $7,274 (2024) |
| Deeds & Mortgages | Sep 2020 Mortgage Dec 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00138290-000000 |
| Primary APN | 00138290-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,851 sqft Living Area |
| 1st Floor Area | 1,851 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,719 sqft (0.223 acres) |
| Garage Area | 519 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 320 sqft |
| Deck Area | 1,300 sqft |
| Patio Area | 3,136 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1172481 |
|---|---|
| Old Parcel Number | 26672500138290000000 |
| Street Address | 401 CACTUS DR |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 3 LOT 1 KEY HAVEN SEVENTH ADDN RACCOON KEY PB5-53 OR628-219 OR846-1744 OR1284-2023/25 OR1284-2026/27M/T OR1290-1499/1501C |
| Legal Range | 25E |
| Legal Township | 67S |
| Legal Section | 26 |
| Legal Subdivision | KEY HAVEN 7TH ADD |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 971800 |
401 Cactus Dr is owned and occupied by an individual who bought it in December 2019.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 401 CACTUS DR, KEY WEST, FL 33040-6213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Dec 18, 2019 | Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK |
| Oct 11, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2019 · Amount on File |
| Deed Sale | Dec 18, 2019 · Amount on File |
| Prior Sale | Oct 11, 2017 |
| Deed Document Number | 2249030 |
| Deed Book / Page | 2999 / 2301 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 401 CACTUS DR, KEY WEST, FL 33040-6213 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FLORIDA TITLE AND TRUST LLC |
| Name | Verified Name |
|---|---|
| Address | 401 CACTUS DR, KEY WEST, FL 33040-6213 |
| Document Number | 0030431181 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 3043/1181 |
| Instrument | 2281212 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 18, 2019 |
| Property Address | 401 CACTUS DR, KEY WEST, FL 33040-6213 |
| Document Number | 0029992301 |
| Book / Page | 2999 / 2301 |
| Map Reference | MB 5 PG 53 |
| Instrument Date | Dec 16, 2019 |
| Instrument | 2249030 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,869.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2242 NW 139TH AVE, 2242, SUNRISE, FL 33323-5324 |
| Name | Verified Name |
|---|---|
| Address | 401 CACTUS DR, KEY WEST, FL 33040-6213 |
| Document Number | 0029992306 |
|---|---|
| Date | Dec 18, 2019 |
| Instrument | 2999/2306 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jan 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 10% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 11, 2017 |
| Property Address | 401 CACTUS DR, KEY WEST, FL 33040-6213 |
| Document Number | 0028740872 |
| Book / Page | 002874 / 000872 |
| Instrument Date | Oct 5, 2017 |
| Instrument | 2139317 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3610 DAHLONEGA HWY CUMMING GA 300283928, CUMMING, GA 30028-3928 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $869,101 | $1,694,537 Land $1,334,224 Building $360,313 | |
| 2024 | $7,274.00 (+3.88%) | ||
| 2023 | $7,002.00 (+2.83%) Senior Citizen's exemption | $820,008 (+3%) | $1,435,448 (+26.36%) Land $1,077,643 Building $357,805 |
| 2022 | $6,809.00 Senior Citizen's exemption | $796,125 | $1,135,958 Land $797,736 Building $338,222 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Cactus Dr 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 363 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 388 units insured incl. 25 condo units |
| Nearby Flood Claims | 402 (1980–2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 401 Cactus Dr 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 99.1% of the US · lower than 98.7% 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.
Source: FCC Broadband Data Collection, based on 218 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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