Monroe County property record for 417 Cactus Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,181 sqft · built 1977 |
| Lot Size | 0.195 acres (8,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $860,000 (Dec 2003) |
| Tax Bill | $6,481 (2024) |
| Deeds & Mortgages | Jan 2022 Mortgage May 2018 Loan Modification + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00138380-000000 |
| Primary APN | 00138380-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,181 sqft Living Area |
| Gross Area | 3,609 sqft |
| 1st Floor Area | 2,090 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,500 sqft (0.195 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 1,428 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 664 sqft |
| Deck Area | 1,026 sqft |
| Patio Area | 2,682 sqft |
| Water Feature | Water Feature |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1172561 |
|---|---|
| Street Address | 417 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 | BLK 3 WLY 21.25 LOT 9 AND LOT 10 KEY HAVEN SEVENTH ADDN PB5-53 RACCOON KEY OR514-688 OR1292-53D/C OR1480-367/368 OR1872-2163/64 OR1962-33D/C OR1962-34/35AFF OR1962-38 OR2190-1359C |
| Legal Range | 25E |
| Legal Township | 67S |
| Legal Section | 26 |
| Legal Subdivision | KEY HAVEN 7TH ADD |
| Legal Block | 3 |
| Legal Lot Number | 9,10 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 971800 |
417 Cactus Dr is owned and occupied by two individuals who bought it in December 2003.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 417 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 |
|---|---|
| Jan 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| May 8, 2018 | Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Oct 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2003 · Amount on File |
| Deed Sale | Dec 23, 2003 · Amount on File |
| Prior Sale | Apr 2, 2003 · Amount on File |
| Deed Document Number | 20031416462 |
| Deed Book / Page | 1962 / 38 |
| Transfer Doc | 0014800367 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 417 CACTUS DR, KEY WEST, FL 33040-6213 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 417 CACTUS DR, KEY WEST, FL 33040-6213 |
| Document Number | 0031511300 |
|---|---|
| Date | Jan 27, 2022 |
| Book Page | 3151/1300 |
| Instrument | 2358909 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 417 CACTUS DR, KEY WEST, FL 33040-6213 |
| Document Number | 0029071187 |
| Instrument Date | May 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 417 CACTUS DR KEY WEST FL 330406213, KEY WEST, FL 33040-6213 |
| Document Number | 0029071187 |
|---|---|
| Date | May 18, 2018 |
| Book Page | 002907/001187 |
| Instrument | 2169678 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 17, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 417 CACTUS DR, KEY WEST, FL 33040-6213 |
| Document Number | 0028771937 |
| Book / Page | 002877 / 001937 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 417 CACTUS DR KEY WEST FL 330406213, KEY WEST, FL 33040-6213 |
| Document Number | 0028771937 |
|---|---|
| Date | Nov 3, 2017 |
| Book Page | 002877/001937 |
| Instrument | 2142232 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 2, 2047 |
Source: Monroe County assessment roll, as of December 8, 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 | $767,098 | $1,815,636 Land $1,227,655 Building $587,981 | |
| 2024 | $6,481.00 (+4.03%) | ||
| 2023 | $6,230.00 (+2.84%) Homeowner's exemption | $723,767 (+3%) | $1,607,480 (+21.06%) Land $1,051,663 Building $555,817 |
| 2022 | $6,058.00 Homeowner's exemption | $702,687 | $1,327,890 Land $772,650 Building $555,240 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 417 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 417 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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