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411 Cactus Dr, Key West, FL 33040 Property Records

Monroe County property record for 411 Cactus Dr, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,738 sqft · built 1989
Lot Size0.195 acres (8,500 sqft)
OwnerTrust Name on File
Tax Bill$9,854 (2025)
Deeds & MortgagesSep 2021 Transfer
Oct 2020 Transfer
Flood ZoneZone AE (high risk)
APN00138350-000000

Property Details

APN / Parcel Number

Primary APN00138350-000000
Alternative APNs
  • 26672500138350000000
  • 1172545

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,738 sqft Living Area
1st Floor Area1,478 sqft
FlooringCeramic Tile
Interior WallsWood

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2006
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,500 sqft (0.195 acres)
View / LotCanal
Garage TypeCovered
Garage Area524 sqft

Exterior Amenities

PorchSlab
Porch Area458 sqft
Patio Area888 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1172545
Street Address411 CACTUS DR
CityKEY WEST
StateFL
Zip33040-6213
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBLK 3 LOT 7 AND NELY 21.25 FT LOT 8 KEY HAVEN SEVENTH ADDN RACCOON KEY PB5-53 OR500-434 OR500-540 OR849-164 OR849-165 OR1104-1713/14 OR1411-577/78 OR1411-579 OR3051-601 OR3051-605 OR3126-1984
Legal Range25E
Legal Township67S
Legal Section26
Legal SubdivisionKEY HAVEN 7TH ADD
Legal Block3
Legal Lot Number7,8
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1011
Census Tract971800

Owner

411 Cactus Dr is owner-occupied and held in a trust since October 2020.

Source: Monroe County records, as of May 4, 2026

Owner of RecordTrust Name on File
Mailing Address411 CACTUS DR, KEY WEST, FL 33040-6213
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family 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

DateDocument
Sep 21, 2021Intrafamily Transfer, Transfer
ACCOMMODATION
Oct 19, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 19, 2020
Deed SaleOct 19, 2020
Prior SaleMar 1, 1982 · Amount on File
Deed Document Number20202286808
Deed Book / Page3051 / 601
Transfer Doc1411000579
Record UpdatedOct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateSep 21, 2021
Property Address411 CACTUS DR, KEY WEST, FL 33040-6213
Document Number0031261984
Book / Page3126 / 1984
Map ReferenceMB 5 PG 53
Instrument DateSep 15, 2021
Instrument2340551
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address411 CACTUS DR, KEY WEST, FL 33040-6213

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateOct 19, 2020
Property Address411 CACTUS DR, KEY WEST, FL 33040-6213
Document Number0030510601
Book / Page003051 / 000601
Instrument DateOct 12, 2020
Instrument2286808
Transaction TypeTransfer
Record UpdatedNov 6, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address411 CACTUS DR KEY WEST FL 330406213, KEY WEST, FL 33040-6213

Tax Assessment & Valuation

The 2025 property tax bill for 411 Cactus Dr was $9,854 with a homeowner's exemption, up 5.6% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,854.00 (+5.58%) Homeowner's exemption$1,115,425$1,622,958 Land $1,227,655 Building $395,303
2024$9,333.00 (+3.57%)
2023$9,011.00 (+2.79%) Homeowner's exemption$1,052,418 (+3%)$1,416,701 (+23.66%) Land $1,051,663 Building $365,038
2022$8,766.00 Homeowner's exemption$1,021,766$1,145,616 Land $772,650 Building $372,966

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

Flood

FEMA maps place 411 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 363 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies388 units insured
incl. 25 condo units
Nearby Flood Claims402 (1980–2022)
Most Recent ClaimSep 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 411 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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

ProviderMax 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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