412 Cactus Dr, Key West, FL 33040 Property Records

Monroe County property record for 412 Cactus Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,308 sqft · built 1981
Lot Size	0.217 acres (9,438 sqft)
Owner	Company Name on File
Last Sale	$2,350,000 (Mar 2026)
Tax Bill	$11,713 (2024)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00138430-000000`

Property Details

APN / Parcel Number

Primary APN	`00138430-000000`
Alternative APNs	`26672500138430000000` `1172618`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,308 sqft Living Area
Gross Area	3,328 sqft
1st Floor Area	1,680 sqft
Basement Area	628 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,438 sqft (0.217 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	1,020 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	1,116 sqft
Deck Area	2,000 sqft
Patio Area	4,415 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Solar

Location & Zoning

Account Number	1172618
Street Address	412 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 15 KEY HAVEN SEVENTH ADDN RACCOON KEY PB-5-53 OR301-437/438 OR808-1540 OR808-1542 OR819-111/112C OR1035-774 OR2014-475
Legal Range	25E
Legal Township	67S
Legal Section	26
Legal Subdivision	KEY HAVEN 7TH ADD
Legal Block	3
Legal Lot Number	15
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1011
Census Tract	971800

Owner

412 Cactus Dr is owned by a company that bought it in March 2026.

Source: Monroe County records, as of April 10, 2026

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

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	Mar 31, 2026 · Amount on File
Deed Sale	Mar 31, 2026 · Amount on File
Prior Sale	Jun 8, 2004 · Amount on File
Deed Document Number	20262537801
Deed Book / Page	3373 / 1552
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 31, 2026
Property Address	412 CACTUS DR, KEY WEST, FL 33040-6213
Document Number	0033731552
Book / Page	3373 / 1552
Map Reference	MB 5 PG 53
Instrument Date	Mar 30, 2026
Instrument	2537801
Transaction Type	Transfer
Record Updated	Apr 28, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	412 CACTUS DR, KEY WEST, FL 33040-6213

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0033731556
Date	Mar 31, 2026
Instrument	3373/1556

Lender

Name	MICHAEL J KANE ETUX
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	79 Months
Due	Oct 1, 2032

Interest

Rate	5%

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		$1,749,206 Land $1,322,641 Building $426,565	$1,749,206 Land $1,322,641 Building $426,565
2024	$11,713.00 (+11.59%)
2023	$10,496.00 (+14%)	$1,479,487 (+22.82%) Land $1,068,287 Building $411,200	$1,479,487 (+22.82%) Land $1,068,287 Building $411,200
2022	$9,207.00	$1,204,601 Land $790,810 Building $413,791	$1,204,601 Land $790,810 Building $413,791

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

Flood

FEMA maps place 412 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 412 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