52 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 52 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,168 sqft · built 1982
Lot Size	0.293 acres (12,755 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,115,000 (Jan 2022)
Tax Bill	$7,511 (2024)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2022 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`00160550-000000`

Property Details

APN / Parcel Number

Primary APN	`00160550-000000`
Alternative APNs	`08672700160550000000` `1206121`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,168 sqft Living Area
1st Floor Area	1,168 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Wood
Roof Type	Flat
Roof Material	Metal
Lot Area	12,755 sqft (0.293 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	456 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	2,015 sqft
Deck Area	64 sqft
Patio Area	64 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1206121
Street Address	52 BAY DR
City	KEY WEST
State	FL
Zip	33040-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 5 LT 26 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 OR502-506 OR785-1557 OR967-345 OR1031-316 OR1084-321 OR1265-996 OR1443-2000 OR1443-2002 OR1467-917 OR2759-1274 OR2979-1116 OR3093-394 OR3150-2227 OR3177-0941
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	5
Legal Lot Number	26
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	49 BAY DR, KEY WEST, FL 33040-6114
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 3, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 25, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 29, 2021	Warranty Deed, Transfer · VA Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2022 · Amount on Record
Deed Sale	Jan 25, 2022 · Amount on Record
Prior Sale	Apr 29, 2021 · Amount on Record
Deed Document Number	20222358381
Deed Book / Page	3150 / 2227
Last Transfer Date	May 26, 2022
Transfer Doc	0031770941
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	52 BAY DR, KEY WEST, FL 33040-6115
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2260 N CAHUENGA BLVD 203, 203, LOS ANGELES, CA 90068-2770

Mortgage

Document Number	0031611654
Date	Mar 17, 2022
Book Page	3161/1654
Instrument	2366250

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2052

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jun 3, 2022
Property Address	52 BAY DR, KEY WEST, FL 33040-6115
Document Number	0031770941
Book / Page	3177 / 941
Map Reference	MB 3 PG 75
Instrument Date	May 26, 2022
Instrument	2378277
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	ACCOMODATION, ACCOMMODATION

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
Relationship	Joint Tenants with Right of Survivorship
Address	52 BAY DR, KEY WEST, FL 33040-6115

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 25, 2022
Property Address	52 BAY DR, KEY WEST, FL 33040-6115
Document Number	0031502227
Book / Page	3150 / 2227
Map Reference	MB 3 PG 75
Instrument Date	Jan 18, 2022
Instrument	2358381
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,805.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9020 MANION DR, BEAUMONT, TX 77706-3937

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	49 BAY DR, KEY WEST, FL 33040-6114

Mortgage

Document Number	0031502229
Date	Jan 25, 2022
Instrument	3150/2229

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 29, 2021
Property Address	52 BAY DR, KEY WEST, FL 33040-6115
Document Number	0030930394
Book / Page	3093 / 394
Map Reference	MB 3 PG 75
Instrument Date	Apr 15, 2021
Instrument	2316570
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	MIDFLORIDA TITLE PROFESSIONALS, FLORIDA TITLE PROFESSIONAL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$6,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	52 BAY DR, KEY WEST, FL 33040-6115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 BAY DR, KEY WEST, FL 33040-6115

Mortgage

Document Number	0003093396
Date	Apr 29, 2021
Instrument	3093/396

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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		$1,115,209 (+10.79%) Land $822,698 Building $292,511	$1,115,209 (+10.79%) Land $822,698 Building $292,511
2024	$7,511.00 (-16.29%)
2023	$8,973.00 (+33.81%)	$1,006,556 (+28.39%) Land $734,943 Building $271,613	$1,006,556 (+28.39%) Land $734,943 Building $271,613
2022	$6,706.00 Senior Citizen's exemption	$784,011 Land $493,619 Building $290,392	$784,011 Land $493,619 Building $290,392

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

Flood

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 Record 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	Hurricane Irma, Sep 2017 · 256 claims Hurricane Wilma, Oct 2005 · 486 claims Hurricane Georges, Oct 1998 · 297 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

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 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

Cell Coverage

5G and 4G LTE (outdoors only)

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