42 Beach Dr, Key West, FL 33040 Property Records

Monroe County property record for 42 Beach Dr, Key West, FL 33040

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,068 sqft · built 1977
Lot Size	0.101 acres (4,397 sqft)
Owner	Company Name on File
Last Sale	$752,000 (Mar 2024)
Tax Bill	$5,536 (2024)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Oct 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`00162400-000000`

Property Details

APN / Parcel Number

Primary APN	`00162400-000000`
Alternative APNs	`08672700162400000000` `1207934`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,068 sqft Living Area
1st Floor Area	1,068 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2016
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Metal Frame
Roof Type	Flat
Roof Material	Metal
Lot Area	4,397 sqft (0.101 acres)

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	204 sqft
Patio Area	1,012 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1207934
Street Address	42 BEACH DR
City	KEY WEST
State	FL
Zip	33040-6102
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	URM
Legal Description	BK B PT LOT 22 AND N 1/2 LOT 23 BAY POINT TRAILER PARK FIRST ADDN PB4-9 SADDLEBUNCH KEYS OR118-98 OR125-51 OR595-71 OR1418-769 OR1713-1525 OR 2649-988 OR2753-1613/14 OR3196-1150 OR3266-1152 OR3292-0450
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT TRAILER PARK 1ST ADD
Legal Block	B
Legal Lot Number	22,23
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1033
Census Tract	971600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	585 NUTMEG RD N, SOUTH WINDSOR, CT 06074-2461
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEY
Oct 5, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 12, 2024 · Amount on Record
Deed Sale	Mar 12, 2024 · Amount on Record
Prior Sale	Oct 5, 2022 · Amount on Record
Deed Document Number	20242454178
Deed Book / Page	3266 / 1152
Last Transfer Date	Apr 26, 2024
Transfer Doc	0032920450
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 12, 2024
Property Address	42 BEACH DR, KEY WEST, FL 33040-6102
Document Number	0032661152
Book / Page	3266 / 1152
Map Reference	MB 4 PG 9
Instrument Date	Mar 6, 2024
Instrument	2454178
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,264.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2543 LITTLE UNION RD, TAYLORSVILLE, KY 40071-9021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 BEACH DR, KEY WEST, FL 33040-6102

Mortgage

Document Number	0002454181
Date	Mar 12, 2024
Instrument	2454181

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	9.62%
Index	1-Year CMT
Max Rate	13.6%

Mortgage

Document Number	0032661156
Date	Mar 12, 2024
Book Page	3266/1156
Instrument	2454181

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEYS
Type	Bank
Address	1201 SIMONTON ST, KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	9.62%
Index	1-Year CMT
Max Rate	13.6%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 5, 2022
Property Address	42 BEACH DR, KEY WEST, FL 33040-6102
Document Number	0031961150
Book / Page	3196 / 1150
Map Reference	MB 4 PG 9
Instrument Date	Sep 29, 2022
Instrument	2393370
Transaction Type	Transfer
Record Updated	Oct 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$5,005.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	129 WILLIAM ST, 129, EDGEWATER, FL 32141-7365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2543 LITTLE UNION RD, TAYLORSVILLE, KY 40071-9021

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		$611,178 (+1.39%) Land $451,143 Building $160,035	$611,178 (+1.39%) Land $451,143 Building $160,035
2024	$5,536.00 (+11.46%)	$602,773 (+13.09%) Land $455,375 Building $147,398	$602,773 (+13.09%) Land $455,375 Building $147,398
2023	$4,967.00 (+190.13%)	$533,015 (+179.02%) Land $387,662 Building $145,353	$533,015 (+42.23%) Land $387,662 Building $145,353
2022	$1,712.00 Senior Citizen's exemption	$191,032	$374,752 Land $282,893 Building $91,859

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 537 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	537 in force
Nearby Flood Claims	1,085 (1980–2022)
Claims Outside the SFHA	1 of 1,085
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 256 claims Hurricane Wilma, Oct 2005 · 486 claims Hurricane Georges, Oct 1998 · 297 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

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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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