48 Merganser Ln, Key West, FL 33040 Property Records

Monroe County property record for 48 Merganser Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 780 sqft · built 1995
Lot Size	0.031 acres (1,363 sqft)
Owner	Individual Name on File
Last Sale	$688,000 (Jul 2023)
Tax Bill	$5,024 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2023 Sale & Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`00072081-000124`

Property Details

APN / Parcel Number

Primary APN	`00072081-000124`
Alternative APNs	`26672500072081000124` `8876483`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	780 sqft Living Area
1st Floor Area	780 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2018
Exterior Material	Other
Construction Type	Concrete
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,363 sqft (0.031 acres)
Lot Dimensions	83 ft deep x 17 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	211 sqft
Patio Area	238 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	8876483
Old Parcel Number	26672500072081000124
Street Address	48 MERGANSER LN
City	KEY WEST
State	FL
Zip	33040-4372
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWNHOME UNIT 28 KEY WEST GOLF CLUB DEVELOPMENT OR1377-750 OR1379-441 OR1864-751 OR2598-1302 OR2748-45 OR2949-1190
Legal Range	25E
Legal Township	67S
Legal Section	26
Legal Subdivision	KEY WEST GOLF CLUB DEV
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1024
Census Tract	971900

Owner

48 Merganser Ln is owned by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3643 N FORK HWY, CODY, WY 82414-7872
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Jul 20, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Aug 5, 2022	· Conventional Mortgage FIRST HORIZON BANK
Jul 13, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Sep 5, 2019	Warranty Deed, Transfer · VA Mortgage USAA
Feb 15, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2023 · Amount on File
Deed Sale	Jul 20, 2023 · Amount on File
Prior Sale	Aug 5, 2022
Deed Document Number	2425697
Deed Book / Page	3235 / 25
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	48 MERGANSER LN, KEY WEST, FL 33040-4372
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 MERGANSER LN, KEY WEST, FL 33040-4372

Mortgage

Document Number	0030770020
Date	Feb 23, 2021
Book Page	3077/20
Instrument	2305123

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 20, 2023
Property Address	48 MERGANSER LN, KEY WEST, FL 33040-4372
Document Number	0032350025
Book / Page	3235 / 25
Map Reference	MB 1377 PG 750
Instrument Date	Jul 17, 2023
Instrument	2425697
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,816.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17 LINCOLN AVE, LYNNFIELD, MA 01940-1815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	343 N FORK HWY, CODY, WY 82414-7875
Investor	Possibly a Property Investor

Mortgage

Document Number	0032350028
Date	Jul 20, 2023
Book Page	3235/28
Instrument	2425698

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

August 2022:

Jurisdiction	MONROE FL
Recording Date	Aug 5, 2022
Property Address	48 MERGANSER LN, KEY WEST, FL 33040-4372
Document Number	0031872028
Book / Page	3187 / 2028
Map Reference	MB 1377 PG 750
Instrument Date	Apr 4, 2022
Instrument	2386578
Record Updated	Jan 23, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48 MERGANSER LN, KEY WEST, FL 33040-4372

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 MERGANSER LN, KEY WEST, FL 33040-4372

Mortgage

Document Number	0031872031
Date	Aug 5, 2022
Instrument	3187/2031

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jun 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 13, 2021
Property Address	48 MERGANSER LN, KEY WEST, FL 33040-4372
Document Number	0031120046
Book / Page	3112 / 46
Map Reference	MB 1377 PG 750
Instrument Date	Jul 2, 2021
Instrument	2329812
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48 MERGANSER LN, KEY WEST, FL 33040-4372

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 KENSINGTON DR, SANDWICH, MA 02563-2443

Mortgage

Document Number	0000311249
Date	Jul 13, 2021
Instrument	3112/49

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 5, 2019
Property Address	48 MERGANSER LN, KEY WEST, FL 33040-4372
Document Number	0029830673
Book / Page	002983 / 000673
Instrument Date	Sep 4, 2019
Instrument	2235326
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,922.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	48 MERGANSER LN KEY WEST FL 330404372, KEY WEST, FL 33040-4372

Mortgage

Document Number	29830676
Date	Sep 5, 2019
Book Page	002983/000676
Instrument	2235327

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 15, 2019
Property Address	48 MERGANSER LN, KEY WEST, FL 33040-4372
Document Number	0029491190
Book / Page	2949 / 1190
Map Reference	MB 1377 PG 750
Instrument Date	Jan 30, 2019
Instrument	2206947
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	450 NORTH BLVD FEDERAL HWY501N, 450, BOYNTON BEACH, FL 33435-6608

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Ux (and Wife)
Address	11435 CHIPPEWA RD, BRECKSVILLE, OH 44141-2167

Mortgage

Document Number	0002206948
Date	Feb 15, 2019
Instrument	2206948

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Key West City
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$491,666 Land $293,386 Building $198,280	$491,666 Land $293,386 Building $198,280
2024	$5,024.00 (+8.37%)
2023	$4,636.00 (+15.21%)	$539,681 (+24.48%) Land $360,650 Building $179,031	$539,681 (+24.48%) Land $360,650 Building $179,031
2022	$4,024.00	$433,539 Land $252,598 Building $180,941	$433,539 Land $252,598 Building $180,941

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

Flood

FEMA maps place 48 Merganser Ln 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 532 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	721 units insured incl. 189 condo units
Nearby Flood Claims	473 (1980–2026)
Claims Outside the SFHA	3 of 473
Most Recent Claim	Jun 2026 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 91 claims Hurricane Wilma, Oct 2005 · 274 claims Hurricane Georges, Oct 1998 · 56 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

Wildfire risk around 48 Merganser Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber · Fixed Wireless, DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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