43 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 43 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,575 sqft · built 1987
Lot Size	0.425 acres (18,533 sqft)
Owner	Individual Name on Record
Last Sale	$2,225,000 (Jan 2023)
Tax Bill	$15,203 (2024)
Deeds & Mortgages	Aug 2023 Transfer Jan 2023 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`00160870-000000`

Property Details

APN / Parcel Number

Primary APN	`00160870-000000`
Alternative APNs	`08672700160870000000` `1206440`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,575 sqft Living Area
1st Floor Area	1,575 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2018
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	18,533 sqft (0.425 acres)
Garage Area	750 sqft

Exterior Amenities

Pool Area	990 sqft
Porch	Open Porch
Porch Area	1,625 sqft
Deck Area	576 sqft
Patio Area	1,174 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1206440
Old Parcel Number	08672700160870000000
Street Address	43 BAY DR
City	KEY WEST
State	FL
Zip	33040-6114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 6 PT LOT 8 AND NLY 1/2 LOT 9 BAY POINT AMENDED PLAT PB3-75 SADDLEBUNCH KEYS OR176-561 OR183-56 OR886-714 OR966-2101
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	6
Legal Lot Number	8-9
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

Source: Monroe County records, as of December 5, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	43 BAY DR, KEY WEST, FL 33040-6114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 10, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 28, 2019	Warranty Deed, Transfer IBERIABANK
Oct 18, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2023 · Amount on Record
Deed Sale	Jan 10, 2023 · Amount on Record
Prior Sale	Jan 10, 2023 · Amount on Record
Deed Document Number	0032071735
Deed Book / Page	3207 / 1735
Last Transfer Date	Aug 24, 2023
Transfer Doc	0032392388
Record Updated	Jun 8, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Aug 24, 2023
Property Address	43 BAY DR, KEY WEST, FL 33040-6114
Document Number	0032392388
Book / Page	3239 / 2388
Instrument Date	Aug 22, 2023
Instrument	2429705
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	43 BAY DR, KEY WEST, FL 33040-6114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 BAY DR, KEY WEST, FL 33040-6114

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 10, 2023
Property Address	43 BAY DR, KEY WEST, FL 33040-6114
Document Number	0032071735
Book / Page	3207 / 1735
Map Reference	MB 3 PG 75
Instrument Date	Jan 6, 2023
Instrument	2402853
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$15,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1294 MCELROY MOUNTAIN DR, JASPER, GA 30143

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 BAY DR, KEY WEST, FL 33040-6114

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 28, 2019
Property Address	43 BAY DR, KEY WEST, FL 33040-6114
Document Number	0029910822
Book / Page	002991 / 000822
Instrument Date	Oct 24, 2019
Instrument	2242017
Transaction Type	Transfer
Record Updated	Nov 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,750.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 EASTVIEW RDG STRONG ME 049833059, STRONG, ME 04983-3059

Mortgage

Document Number	29910824
Date	Oct 28, 2019
Book Page	002991/000824
Instrument	2242018

Lender

Name	IBERIABANK
Type	Bank
Address	LAFAYETTE, LA 70501

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 18, 2017
Property Address	43 BAY DR, KEY WEST, FL 33040-6114
Document Number	0028751141
Book / Page	002875 / 001141
Instrument Date	Oct 17, 2017
Instrument	2140242
Transaction Type	Transfer
Record Updated	Nov 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$5,897.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 BAY DR KEY WEST FL 330406114, KEY WEST, FL 33040-6114

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$1,824,881 (-16.11%) Land $1,271,364 Building $553,517	$1,824,881 (-16.11%) Land $1,271,364 Building $553,517
2024	$15,203.00 (+4.73%)
2023	$14,517.00 (+22.74%)	$2,175,279 (+47.15%) Land $1,712,449 Building $462,830	$2,175,279 (+47.15%) Land $1,712,449 Building $462,830
2022	$11,827.00	$1,478,235 Land $992,442 Building $485,793	$1,478,235 Land $992,442 Building $485,793

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

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	10.0 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	Not rated no burnable land within 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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