Monroe County property record for 5 Cactus Dr, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,928 sqft · built 1958 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $550,000 (Sep 2021) |
| Tax Bill | $5,835 (2024) |
| Deeds & Mortgages | Apr 2024 Mortgage May 2023 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00153680-000000 |
| Primary APN | 00153680-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,928 sqft Living Area |
| 1st Floor Area | 1,928 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 196 sqft |
| Deck Area | 30 sqft |
| Patio Area | 94 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1199168 |
|---|---|
| Street Address | 5 CACTUS DR |
| City | KEY WEST |
| State | FL |
| Zip | 33040-5632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LOT 5 SIMILAR SOUND SECTION A PB3-126 BIG COPPITT KEY OR281-562 OR680-434 OR917-2258 OR917-2259 OR973-1478 OR984-1221 OR1847-1628 OR1847-1629 OR2510-2100 OR2511-2372 OR2730-1955 OR2761-586 OR3061-2201OR3123-0622 |
| Legal Range | 26E |
| Legal Township | 67S |
| Legal Section | 22 |
| Legal Subdivision | SIMILAR SOUND SEC A |
| Legal Lot Number | 5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 971700 |
Source: Monroe County assessment roll, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5 CACTUS DR, KEY WEST, FL 33040-5632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 9, 2024 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| May 10, 2023 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Sep 1, 2021 | Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 1, 2021 · Amount on Record |
| Deed Sale | Sep 1, 2021 · Amount on Record |
| Prior Sale | Sep 17, 2015 · Amount on Record |
| Deed Document Number | 20212337906 |
| Deed Book / Page | 3123 / 622 |
| Prior Transfer Date | Mar 25, 2011 |
| Prior Transfer Doc | 0025112372 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 5 CACTUS DR, KEY WEST, FL 33040-5632 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 5 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0032701045 |
|---|---|
| Date | Apr 9, 2024 |
| Book Page | 3270/1045 |
| Instrument | 2457351 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | 8800 BAYMEADOWS WAY W STE 400, JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 5 CACTUS DR, KEY WEST, FL 33040-5632 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 5 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0032241459 |
|---|---|
| Date | May 10, 2023 |
| Book Page | 3224/1459 |
| Instrument | 2417296 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 1, 2021 |
| Property Address | 5 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 0031230622 |
| Book / Page | 3123 / 622 |
| Map Reference | MB 3 PG 126 |
| Instrument Date | Jul 21, 2021 |
| Instrument | 2337906 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,850.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 5401, KEY WEST, FL 33045-5401 |
| Name | Verified Name |
|---|---|
| Address | 5 CACTUS DR, KEY WEST, FL 33040-5632 |
| Document Number | 3123624 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 3123/624 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
Source: Monroe County assessment roll, as of December 8, 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 | $596,073 (+6.12%) Land $307,913 Building $288,160 | $596,073 (+6.12%) Land $307,913 Building $288,160 | |
| 2024 | $5,835.00 (+6.46%) | ||
| 2023 | $5,481.00 (+5.02%) | $561,714 (+5.89%) Land $279,225 Building $282,489 | $561,714 (+5.89%) Land $279,225 Building $282,489 |
| 2022 | $5,219.00 | $530,484 Land $240,975 Building $289,509 | $530,484 Land $240,975 Building $289,509 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 203 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 203 in force |
| Nearby Flood Claims | 296 (1980–2020) |
| Most Recent Claim | Sep 2020 · rainfall accumulation |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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