48D 11th Ave, Key West, FL 33040 Property Records

Monroe County property record for 48D 11th Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,135 sqft · built 1974
Lot Size	0.082 acres (3,570 sqft)
Owner	2 Individual Names on File
Last Sale	$2,587 (Sep 2024)
Tax Bill	$3,225 (2024)
Deeds & Mortgages	Feb 2024 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00129150-000000`

Property Details

APN / Parcel Number

Primary APN	`00129150-000000`
Alternative APNs	`35672500129150000000` `1163317`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,135 sqft Living Area
1st Floor Area	1,135 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,570 sqft (0.082 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	65 sqft
Deck Area	64 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1163317
Street Address	48D 11TH AVE
City	KEY WEST
State	FL
Zip	33040-5869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK D LT 48 LINCOLN GARDENS NO 2 PB5-90 STOCK ISLAND OR375-62/63E II 24078 (1656-44)-D OR619-457 OR857-579 OR910-1831 OR1089-271 OR1588-939 OR2037-1216/20F/J OR2438-961 OR2554-26/27C/T OR2581-1695/702 OR2952-1830 OR3262-1697 OR3262-1424 OR3292-1041 OR
Legal Range	25E
Legal Township	67S
Legal Section	35
Legal Subdivision	LINCOLN GARDENS NO 2
Legal Block	D
Legal Lot Number	48
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	4
Census Block	4010
Census Tract	971800

Owner

48D 11th Ave is owned and occupied by two individuals who bought it in September 2024.

Source: Monroe County records, as of February 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	48D 11TH AVE, KEY WEST, FL 33040-5869
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
Feb 15, 2024	Intrafamily Transfer, Transfer
Sep 17, 2020	Deed of Trust, Mortgage · VA Mortgage IBERIABANK
Mar 8, 2019	Warranty Deed, Transfer · VA Mortgage IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2024 · Amount on File
Deed Sale	Sep 13, 2024 · Amount on File
Prior Sale	Sep 13, 2024 · Amount on File
Deed Document Number	20242474547
Deed Book / Page	3292 / 1260
Prior Transfer Date	Feb 2, 2012
Prior Transfer Doc	0025540026
Record Updated	Oct 29, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Feb 15, 2024
Property Address	48D 11TH AVE, KEY WEST, FL 33040-5869
Document Number	0032621424
Book / Page	3262 / 1424
Map Reference	MB 5 PGS 90
Instrument Date	Feb 14, 2024
Instrument	2451251
Transaction Type	Transfer
Record Updated	Mar 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48D 11TH AVE, KEY WEST, FL 33040-5869

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	48D 11TH AVE, KEY WEST, FL 33040-5869
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 11TH AVENUE, KEY WEST, FL 33040

Mortgage

Document Number	0030441734
Date	Sep 17, 2020
Book Page	3044/1734
Instrument	2282126

Lender

Name	IBERIABANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

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

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 8, 2019
Property Address	48D 11TH AVE, KEY WEST, FL 33040-5869
Document Number	0029521830
Book / Page	2952 / 1830
Map Reference	MB 5 PG 90
Instrument Date	Feb 26, 2019
Instrument	2210077
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,758.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4052 FONTAINEBLEAU ST, 4052, NORTH PORT, FL 34287-2914

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48D 11TH AVE, KEY WEST, FL 33040-5869

Mortgage

Document Number	0002210078
Date	Mar 8, 2019
Instrument	2210078

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

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		$369,515	$498,615 Land $299,880 Building $198,735
2024	$3,225.00 (+5.53%)
2023	$3,056.00 (+2.96%) Homeowner's exemption	$348,643 (+3%)	$468,814 (+7.96%) Land $278,460 Building $190,354
2022	$2,968.00 Homeowner's exemption	$338,489	$434,254 Land $239,190 Building $195,064

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

Flood

FEMA maps place 48D 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 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 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 48D 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 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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