46A 8th Ave, Key West, FL 33040 Property Records

Monroe County property record for 46A 8th Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 2009
Lot Size	0.079 acres (3,441 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Apr 2022)
Tax Bill	$5,109 (2024)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00131790-000000`

Property Details

APN / Parcel Number

Primary APN	`00131790-000000`
Alternative APNs	`35672500131790000000` `1165948`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,441 sqft (0.079 acres)
Garage Type	Covered
Garage Area	480 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	176 sqft
Deck Area	16 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1165948
Street Address	46A 8TH AVE
City	KEY WEST
State	FL
Zip	33040-5863
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK A LT 46 LINCOLN GARDENS NO-1 STOCK ISLAND PB5-89 OR573-128 OR1282-2361 OR1455-758RS OR1828-1728 OR2085-1546 OR2320-2393/94C/T OR2435-1116/18 OR2457-943/44 OR2798-160/61 OR3129-1995 OR3169-0060
Legal Range	25E
Legal Township	67S
Legal Section	35
Legal Subdivision	LINCOLN GARDENS NO 1
Legal Block	A
Legal Lot Number	46
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	4
Census Block	4013
Census Tract	971800

Owner

46A 8th Ave is owned and occupied by two individuals who bought it in April 2022.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	46A 8TH AVE, KEY WEST, FL 33040-5863
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Sep 23, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 21, 2022	Warranty Deed, Transfer · FHA Mortgage CENTENNIAL BANK
Oct 4, 2021	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2022 · Amount on File
Deed Sale	Apr 21, 2022 · Amount on File
Prior Sale	May 24, 2016 · Amount on File
Deed Document Number	20222371922
Deed Book / Page	3169 / 60
Prior Transfer Date	Aug 18, 2021
Prior Transfer Doc	0031291995
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	46A 8TH AVE, KEY WEST, FL 33040-5863
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030460332
Date	Sep 23, 2020
Book Page	3046/332
Instrument	2283054

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 21, 2022
Property Address	46A 8TH AVE, KEY WEST, FL 33040-5863
Document Number	0031690060
Book / Page	3169 / 60
Map Reference	MB 5 PG 89
Instrument Date	Apr 18, 2022
Instrument	2371922
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	72 DUDLEY CIR, 72, LACONIA, NH 03246-1337

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	72 DUDLEY CIR, LACONIA, NH 03246-1337

Mortgage

Document Number	0000316962
Date	Apr 21, 2022
Instrument	3169/62

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Oct 4, 2021
Property Address	46A 8TH AVE, KEY WEST, FL 33040-5863
Document Number	0031291995
Book / Page	3129 / 1995
Map Reference	MB 5 PG 89
Instrument Date	Aug 18, 2021
Instrument	2342605
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46A AVENUE E8T1, 46A, KEY WEST, FL 33040

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

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		$551,129 Land $291,934 Building $259,195	$551,129 Land $291,934 Building $259,195
2024	$5,109.00 (+8.4%)
2023	$4,713.00 (+21.06%)	$503,092 (+7.61%) Land $271,082 Building $232,010	$503,092 (+7.61%) Land $271,082 Building $232,010
2022	$3,893.00	$467,530 Land $232,852 Building $234,678	$467,530 Land $232,852 Building $234,678

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

Flood

FEMA maps place 46A 8th 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 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 File median of 294 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	332 units insured incl. 38 condo units
Nearby Flood Claims	201 (1980–2022)
Claims Outside the SFHA	2 of 201
Most Recent Claim	Sep 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 46A 8th 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 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 279 locations within half a mile, as of December 31, 2025

Provider	Max 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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