406 Ave B, Key West, FL 33040 Property Records

Monroe County property record for 406 Ave B, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,458 sqft · built 2014
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Jul 2018)
Tax Bill	$5,427 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00152010-000000`

Property Details

APN / Parcel Number

Primary APN	`00152010-000000`
Alternative APNs	`22672600152010000000` `1197530`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,458 sqft Living Area
1st Floor Area	1,458 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2016
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Covered
Garage Area	540 sqft
Porch	Unfinished Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1197530
Street Address	406 AVENUE B
City	KEY WEST
State	FL
Zip	33040-5506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 8 LT 8 JOHNSONVILLE PB-1-53 BIG COPPITT Z-342 OR106-376 OR394-840/41 OR762-233 OR1836-2373 OR2347-8/9C/T OR2398-640/41AMDC/T OR2443-1195 OR2728-1603/04 OR2919-1874/75
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	JOHNSONVILLE SUBD
Legal Block	8
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3028
Census Tract	971700

Owner

406 Ave B is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	406 AVENUE B, KEY WEST, FL 33040-5506
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 31, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2018 · Amount on File
Deed Sale	Jul 31, 2018 · Amount on File
Prior Sale	Mar 10, 2015 · Amount on File
Deed Document Number	2018243
Deed Book / Page	2919 / 1874
Prior Transfer Date	Jun 28, 2016
Prior Transfer Doc	0028051777
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	406 AVENUE B, KEY WEST, FL 33040-5506
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031170019
Date	Aug 2, 2021
Book Page	3117/19
Instrument	2333176

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jun 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 31, 2018
Property Address	406 AVENUE B, KEY WEST, FL 33040-5506
Document Number	0029191874
Book / Page	002919 / 001874
Instrument Date	Jul 27, 2018
Instrument	2180243
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	406 AVENUE B KEY WEST FL 330405506, KEY WEST, FL 33040-5506

Mortgage

Document Number	29191880
Date	Jul 31, 2018
Book Page	002919/001880
Instrument	2180245

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$651,034 Land $325,000 Building $326,034	$651,034 Land $325,000 Building $326,034
2024	$5,427.00 (+7.06%)
2023	$5,069.00 (+6.49%)	$600,979 (+3.32%) Land $297,500 Building $303,479	$600,979 (+3.32%) Land $297,500 Building $303,479
2022	$4,760.00	$581,674 Land $275,000 Building $306,674	$581,674 Land $275,000 Building $306,674

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

Flood

FEMA maps place 406 Ave B 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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 233 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	272 units insured incl. 39 condo units
Nearby Flood Claims	287 (1980–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 49 claims Hurricane Wilma, Oct 2005 · 166 claims Hurricane Georges, Oct 1998 · 50 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 406 Ave B 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 98% of the US · lower than 97.6% 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 168 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	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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