Monroe County property record for 48 Bay Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,309 sqft · built 1972 |
| Lot Size | 0.279 acres (12,162 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (Apr 2016) |
| Tax Bill | $3,708 (2024) |
| Deeds & Mortgages | Oct 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00160530-000000 |
| Primary APN | 00160530-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,309 sqft Living Area |
| 1st Floor Area | 1,309 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,162 sqft (0.279 acres) |
| Pool Area | 390 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 288 sqft |
| Deck Area | 283 sqft |
| Patio Area | 407 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Account Number | 1206105 |
|---|---|
| Old Parcel Number | 08672700160530000000 |
| Street Address | 48 BAY DR |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 5 LT 24 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 OR310-427 OR550-719 OR1891-1013/14 OR2560-1208 OR2560-1663T/D |
| Legal Range | 27E |
| Legal Township | 67S |
| Legal Section | 08 |
| Legal Subdivision | BAY POINT AMD PLAT |
| Legal Block | 5 |
| Legal Lot Number | 24 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 971600 |
48 Bay Dr is owned and occupied by an individual who bought it in April 2016.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 48 BAY DR, KEY WEST, FL 33040-6115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 5, 2016 · Amount on File |
| Deed Sale | Apr 5, 2016 · Amount on File |
| Prior Sale | Apr 3, 2012 · Amount on File |
| Deed Document Number | 2070278 |
| Deed Book / Page | 2790 / 0246 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 48 BAY DR, KEY WEST, FL 33040-6115 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE CLEARING & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0029302143 |
|---|---|
| Date | Oct 9, 2018 |
| Book Page | 2930/2143 |
| Instrument | 2189819 |
| Name | AMERICAN MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2048 |
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 | $428,582 | $1,007,368 Land $802,560 Building $204,808 | |
| 2024 | $3,708.00 (-0.64%) | ||
| 2023 | $3,732.00 (+2.78%) Homeowner's exemption | $404,373 (+3%) | $896,098 (+34.67%) Land $716,954 Building $179,144 |
| 2022 | $3,631.00 Homeowner's exemption | $392,596 | $665,423 Land $481,536 Building $183,887 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Bay Dr 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 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 |
|
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.
The area around 48 Bay Dr 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.
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 |
5G and 4G LTE (outdoors only)
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