409 Cactus Dr, Key West, FL 33040 Property Records

Monroe County property record for 409 Cactus Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,492 sqft · built 1998
Lot Size	0.287 acres (12,500 sqft)
Owner	Company Name on File
Last Sale	$3,299,000 (Feb 2023)
Tax Bill	$23,581 (2024)
Deeds & Mortgages	Feb 2023 Sale
Flood Zone	Zone AE (high risk)
APN	`00138340-000000`

Property Details

APN / Parcel Number

Primary APN	`00138340-000000`
Alternative APNs	`26672500138340000000` `1172537`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,492 sqft Living Area
1st Floor Area	2,492 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
View / Lot	Canal
Garage Type	Covered
Garage Area	704 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	848 sqft
Patio Area	560 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1172537
Street Address	409 CACTUS DR
City	KEY WEST
State	FL
Zip	33040-6213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 3 LT 6 KEY HAVEN SEVENTH ADDN PB5-53 RACCOON KEY OR550-228 OR695-26 OR1369-1745/46 OR1877-812/13 OR2506-764/65 OR3211-2414
Legal Range	25E
Legal Township	67S
Legal Section	26
Legal Subdivision	KEY HAVEN 7TH ADD
Legal Block	3
Legal Lot Number	6
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1011
Census Tract	971800

Owner

409 Cactus Dr is owned by a company that bought it in February 2023.

Source: Monroe County records, as of April 14, 2026

Owner of Record	Company Name on File
Mailing Address	4333 STEELVILLE RD, ATGLEN, PA 19310-9684
Owner Type	Company
Vesting	Limited Liability Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2023 · Amount on File
Deed Sale	Feb 14, 2023 · Amount on File
Prior Sale	Mar 1, 2011 · Amount on File
Deed Document Number	20232406671
Deed Book / Page	3211 / 2414
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 14, 2023
Property Address	409 CACTUS DR, KEY WEST, FL 33040-6213
Document Number	0032112414
Book / Page	3211 / 2414
Map Reference	MB 5 PG 53
Instrument Date	Feb 13, 2023
Instrument	2406671
Transaction Type	Transfer
Record Updated	Mar 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$23,093.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2315 PATTERSON AVE, KEY WEST, FL 33040-3815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4333 STEELVILLE RD, ATGLEN, PA 19310-9684

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		$2,788,022 Land $2,142,250 Building $645,772	$2,788,022 Land $2,142,250 Building $645,772
2024	$23,581.00 (+148.51%)
2023	$9,489.00 (+2.78%) Homeowner's exemption	$1,109,001 (+3%)	$2,270,617 (+26.25%) Land $1,642,563 Building $628,054
2022	$9,232.00 Homeowner's exemption	$1,076,700	$1,798,552 Land $1,217,188 Building $581,364

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 409 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	Hurricane Irma, Sep 2017 · 46 claims Hurricane Wilma, Nov 2005 · 265 claims Hurricane Georges, Sep 1998 · 65 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 409 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.

Internet Providers

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