5 Emerald Dr, Key West, FL 33040 Property Records

Monroe County property record for 5 Emerald Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,409 sqft · built 1978
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on File
Last Sale	$1,120,000 (Jul 2026)
Tax Bill	$848 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00156230-000000`

Property Details

APN / Parcel Number

Primary APN	`00156230-000000`
Alternative APNs	`22672600156230000000` `1201651`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,409 sqft Living Area
1st Floor Area	1,409 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,000 sqft (0.184 acres)
View / Lot	Canal

Exterior Amenities

Porch	Open Porch
Porch Area	432 sqft
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1201651
Street Address	5 EMERALD DR
City	KEY WEST
State	FL
Zip	33040-5636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 9 LT 5 PORPOISE POINT SECTION 5 BIG COPPITT KEY PB5-119 OR490-345 OR751-463 OR751-833 OR751-1645 OR745 OR2333-1878 OR2638-1610 OR2914-2048
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	PORPOISE POINT SEC 5
Legal Block	9
Legal Lot Number	5
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1008
Census Tract	971700

Owner

Source: Monroe County records · APN 00156230-000000

Assessment roll updated December 8, 2025 · Last verified August 2026

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	44589 FOREST LANDING RD, HOLLYWOOD, MD 20636-2742
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 06, 2026	Warranty Deed, Transfer · Conventional Mortgage SHORE UNITED BANK
Jul 02, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 06, 2026 · Amount on Record
Deed Sale	Jul 06, 2026 · Amount on Record
Prior Sale	Jul 02, 2018 · Amount on Record
Deed Document Number	20262550362
Deed Book / Page	3390 / 1049
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 06, 2026
Property Address	5 EMERALD DR, KEY WEST, FL 33040-5636
Document Number	0002550362
Book / Page	3390 / 1049
Instrument Date	Jul 01, 2026
Instrument	20262550362
Transaction Type	Transfer
Record Updated	Aug 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$791,840.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44589 FOREST LANDING RD, HOLLYWOOD, MD 20636-2742

Mortgage

Document Number	0002550364,
Date	Jul 06, 2026
Book Page	3390/1053
Instrument	20262550364

Lender

Name	SHORE UNITED BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 02, 2018
Property Address	5 EMERALD DR, KEY WEST, FL 33040-5636
Document Number	0029142048
Book / Page	002914 / 002048
Instrument Date	Jun 29, 2018
Instrument	2176155
Transaction Type	Transfer
Record Updated	Aug 03, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,340.00
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	5 EMERALD DR KEY WEST FL 330405636, KEY WEST, FL 33040-5636

Mortgage

Document Number	29142050
Date	Jul 02, 2018
Book Page	002914/002050
Instrument	2176156

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2048

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$848.00 (+3.41%) Veteran's exemption	$895,762 (+13.6%) Land $569,640 Building $326,122	$895,762 (+13.6%) Land $569,640 Building $326,122
2024	$820.00 (-87.24%)
2023	$6,426.00 (+12.95%)	$788,547 (+23.5%) Land $492,880 Building $295,667	$788,547 (+23.5%) Land $492,880 Building $295,667
2022	$5,689.00	$638,487 Land $339,360 Building $299,127	$638,487 Land $339,360 Building $299,127

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 243 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	245 units insured incl. 2 condo units
Nearby Flood Claims	456 (1980–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 56 claims Hurricane Wilma, Oct 2005 · 178 claims Hurricane Georges, Sep 1998 · 180 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 217 locations within half a mile of this property.

Nearby Properties on Emerald Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures