Monroe County property record for 445 Ave D, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,456 sqft · built 2000 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $665,000 (Apr 2021) |
| Tax Bill | $6,208 (2024) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00152340-000000 |
| Primary APN | 00152340-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 1,456 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,000 sqft (0.229 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 880 sqft |
| Patio Area | 561 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|
| Account Number | 1197866 |
|---|---|
| Old Parcel Number | 22672600152340000000 |
| Street Address | 445 AVENUE D |
| City | KEY WEST |
| State | FL |
| Zip | 33040-5525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 11 LOTS 1 AND 2 JOHNSONVILLE PB1-53 BIG COPPITT OR570-687 OR661-253 OR997-1004 OR998-105/107AG OR1069-150/51 OR1262-1924 |
| Legal Range | 26E |
| Legal Township | 67S |
| Legal Section | 22 |
| Legal Subdivision | JOHNSONVILLE SUBD |
| Legal Block | 11 |
| Legal Lot Number | 1-2 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 971700 |
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 445 AVENUE D, KEY WEST, FL 33040-5525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2021 · Amount on Record |
| Deed Sale | Apr 19, 2021 · Amount on Record |
| Prior Sale | Jun 25, 1993 · Amount on Record |
| Deed Document Number | 2314913 |
| Deed Book / Page | 3090 / 1781 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 445 AVENUE D, KEY WEST, FL 33040-5525 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 445 AVENUE D, KEY WEST, FL 33040-5525 |
| Document Number | 0032431336 |
|---|---|
| Date | Sep 22, 2023 |
| Book Page | 3243/1336 |
| Instrument | 2432899 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 19, 2021 |
| Property Address | 445 AVENUE D, KEY WEST, FL 33040-5525 |
| Document Number | 0030901781 |
| Book / Page | 3090 / 1781 |
| Map Reference | MB 1 PG 53 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 2314913 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,655.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5753 HIGHWAY 85 N, 5753, CRESTVIEW, FL 32536-9365 |
| Name | Verified Name |
|---|---|
| Address | 445 AVENUE D, KEY WEST, FL 33040-5525 |
| Document Number | 0030901783 |
|---|---|
| Date | Apr 19, 2021 |
| Instrument | 3090/1783 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: Monroe County assessment roll, as of July 1, 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 | $700,543 (+5.99%) | $757,406 (+7.8%) Land $435,500 Building $321,906 | |
| 2024 | $6,208.00 (+3.99%) | ||
| 2023 | $5,970.00 (+2.7%) Homeowner's exemption | $660,971 (+3%) | $702,584 (+9.48%) Land $398,650 Building $303,934 |
| 2022 | $5,813.00 Homeowner's exemption | $641,720 Land $368,500 Building $273,220 | $641,720 Land $368,500 Building $273,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 233 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 272 units insured incl. 39 condo units |
| Nearby Flood Claims | 287 (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.
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.
Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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