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45D 11th Ave, Key West, FL 33040 Property Records

Monroe County property record for 45D 11th Ave, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,128 sqft · built 1976
Lot Size0.081 acres (3,570 sqft)
OwnerIndividual Name on File
Last Sale$420,000 (Jun 2021)
Tax Bill$4,557 (2024)
Deeds & MortgagesJun 2021 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00129120-000000

Property Details

APN / Parcel Number

Primary APN00129120-000000
Alternative APNs
  • 35672500129120000000
  • 1163287

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,128 sqft Living Area
1st Floor Area1,128 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 2000
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialTar & Gravel
Lot Area3,570 sqft (0.081 acres)

Exterior Amenities

PorchOpen Porch
Porch Area288 sqft
Deck Area140 sqft
Patio Area140 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Account Number1163287
Old Parcel Number35672500129120000000
Street Address45D 11TH AVE
CityKEY WEST
StateFL
Zip33040-5869
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK D LT 45 LINCOLN GARDENS #2 PB5-90 STOCK ISLAND OR375-62/63 OR659-757 OR717-658/59 OR773-23 OR3108-2394
Legal Range25E
Legal Township67S
Legal Section35
Legal SubdivisionLINCOLN GARDENS NO 2
Legal BlockD
Legal Lot Number45
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group4
Census Block4010
Census Tract971800

Owner

45D 11th Ave is owned by an individual who bought it in June 2021.

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

Owner of RecordIndividual Name on File
Mailing Address45 11TH AVE # D, D, KEY WEST, FL 33040
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 29, 2021 · Amount on File
Deed SaleJun 29, 2021 · Amount on File
Deed Document Number2327723
Deed Book / Page3108 / 2394
Record UpdatedJun 8, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJun 29, 2021
Property Address45D 11TH AVE, KEY WEST, FL 33040-5869
Document Number0031082394
Book / Page3108 / 2394
Map ReferenceMB 5 PG 90
Instrument DateJun 22, 2021
Instrument2327723
Transaction TypeTransfer
Record UpdatedJul 16, 2021
Title CompanyMIDFLORIDA TITLE PROFESSIONALS, FLORIDA TITLE PROFESSIONAL

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,940.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2507 SUMMER FIELD LN, 2507, JACKSONVILLE, FL 32234-1148

Transferred To (Grantee/Buyer)

NameVerified Name
Address45D 11TH AVE, KEY WEST, FL 33040-5869

Mortgage

Document Number31082396
DateJun 29, 2021
Instrument3108/2396
Lender
NameFIRST HORIZON BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$481,186 Land $299,880 Building $181,306$481,186 Land $299,880 Building $181,306
2024$4,557.00 (+7.93%)
2023$4,222.00 (+8.53%)$444,990 (+9.64%) Land $278,460 Building $166,530$444,990 (+9.64%) Land $278,460 Building $166,530
2022$3,890.00$405,850 Land $239,190 Building $166,660$405,850 Land $239,190 Building $166,660

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

Flood

FEMA maps place 45D 11th Ave 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 294 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies332 units insured
incl. 38 condo units
Nearby Flood Claims201 (1980–2022)
Claims Outside the SFHA2 of 201
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 48 claims
  • Hurricane Wilma, Oct 2005 · 95 claims
  • Hurricane Georges, Sep 1998 · 26 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

The area around 45D 11th Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 279 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250

May also be available: Verizon.

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