45 Palm Dr, Key West, FL 33040 Property Records

Monroe County property record for 45 Palm Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,290 sqft · built 2019
Lot Size	0.073 acres (3,200 sqft)
Owner	Company Name on Record
Last Sale	$865,000 (Oct 2024)
Tax Bill	$6,683 (2024)
Deeds & Mortgages	Jan 2023 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00161790-000000`

Property Details

APN / Parcel Number

Primary APN	`00161790-000000`
Alternative APN	`1207349`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	1,290 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,200 sqft (0.073 acres)
Porch	Open Porch
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1207349
Street Address	45 PALM DR
City	KEY WEST
State	FL
Zip	33040-6117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 22 BAY POINT TRAILER PARK SADDLEBUNCH KEYS PB3-57 OR24-239 OR576-363 OR897-1109 OR1026-568 OR2880-1588 OR2990-1158
Legal Subdivision	BAY POINT TRAILER PARK
Legal Lot Number	22
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	5511 PARK LN, DALLAS, TX 75220-2151
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jul 23, 2021	Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS LLC
Oct 22, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2024 · Amount on Record
Deed Sale	Oct 1, 2024 · Amount on Record
Prior Sale	Jul 23, 2021 · Amount on Record
Deed Document Number	2476221
Deed Book / Page	3294 / 1531
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	45 PALM DR, KEY WEST, FL 33040-6117
Transaction Type	Mortgage
Record Updated	Feb 9, 2023
Title Company	SUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF THE KEYS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 PALM DR, KEY WEST, FL 33040-6117

Mortgage

Document Number	0032090702
Date	Jan 24, 2023
Book Page	3209/702
Instrument	2404313

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 23, 2021
Property Address	45 PALM DR, KEY WEST, FL 33040-6117
Document Number	0031141507
Book / Page	3114 / 1507
Map Reference	MB 3 PG 57
Instrument Date	Jun 18, 2021
Instrument	2331601
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 PALM DR, 45, KEY WEST, FL 33040-6117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 PALM DR, KEY WEST, FL 33040-6117

Mortgage

Document Number	0031141509
Date	Jul 23, 2021
Instrument	3114/1509

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 22, 2019
Property Address	45 PALM DR, KEY WEST, FL 33040-6117
Document Number	0029901158
Book / Page	2990 / 1158
Map Reference	MB 3 PG 57
Instrument Date	Oct 10, 2019
Instrument	2241245
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 420236, SUMMERLAND KEY, FL 33042-0236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 PALM DR, KEY WEST, FL 33040-6117

Mortgage

Document Number	0029901160
Date	Oct 22, 2019
Instrument	2990-1160

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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		$694,496 (-3.38%) Land $278,208 Building $416,288	$694,496 (-3.38%) Land $278,208 Building $416,288
2024	$6,683.00 (+9.34%)
2023	$6,112.00 (+13.19%)	$718,791 (+23.11%) Land $323,840 Building $394,951	$718,791 (+23.11%) Land $323,840 Building $394,951
2022	$5,400.00	$583,844 Land $184,736 Building $399,108	$583,844 Land $184,736 Building $399,108

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	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	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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