52 Palm Dr, Key West, FL 33040 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,200 sqft · built 2017
Lot Size	0.064 acres (2,800 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,151 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2017 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00162820-000000`

Property Details

APN / Parcel Number

Primary APN	`00162820-000000`
Alternative APNs	`08672700162820000000` `1208345`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,200 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2020
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,800 sqft (0.064 acres)
Lot Dimensions	70 ft deep x 40 ft wide
Garage Type	Covered
Garage Area	1,200 sqft
Porch	Unfinished Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1208345
Street Address	52 PALM DR
City	KEY WEST
State	FL
Zip	33040-6129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK E LT 6 BAY POINT TRAILER PARK FIRST ADDITION SADDLEBUNCH KEYS PB4-9 OR418-152 OR515-937 OR535-435 OR1453-2450 OR2153-2354 OR2812-543 OR2880-35 OR3143-2279
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT TRAILER PARK 1ST ADD
Legal Block	E
Legal Lot Number	6
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1055
Census Tract	971600

Owner

52 Palm Dr is owned and occupied by two individuals who acquired it in December 2021.

Source: Monroe County records, as of May 16, 2025

Owner of Record	2 Individual Names on File
Mailing Address	6639 PLUMERIA LOOP, HONOLULU, HI 96818-1219
Occupancy	Owner Occupied
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
Dec 20, 2021	Intrafamily Transfer, Transfer · VA Mortgage M & T BANK
Nov 21, 2017	Warranty Deed, Transfer · VA Mortgage IBERIABANK
Jul 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage KWEST LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2021
Deed Sale	Dec 20, 2021
Prior Sale	Nov 21, 2017 · Amount on File
Deed Document Number	20212353373
Deed Book / Page	3143 / 2279
Prior Transfer Date	Dec 4, 2021
Prior Transfer Doc	0031432279
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Dec 20, 2021
Property Address	52 PALM DR, KEY WEST, FL 33040-6129
Document Number	0031432279
Book / Page	3143 / 2279
Map Reference	MB 4 PG 9
Instrument Date	Dec 4, 2021
Instrument	2353373
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

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
Address	52 PALM DR, KEY WEST, FL 33040-6129

Mortgage

Document Number	0031432282
Date	Dec 20, 2021
Instrument	3143/2282

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 21, 2017
Property Address	52 PALM DR, KEY WEST, FL 33040-6129
Document Number	0028800035
Book / Page	2880 / 0035
Map Reference	MB4 PG9
Instrument Date	Nov 17, 2017
Instrument	2144399
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1300 ATLANTIC BLVD, 1300, KEY WEST, FL 33040-5002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 PALM DR, KEY WEST, FL 33040-6129

Mortgage

Document Number	0002144402
Date	Nov 21, 2017
Instrument	2144402

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	52 PALM DR, KEY WEST, FL 33040-6129
Document Number	0028642049
Book / Page	002864 / 002049
Instrument Date	Jul 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	52 PALM DR KEY WEST FL 330406129, KEY WEST, FL 33040-6129

Mortgage

Document Number	0028642049
Date	Jul 18, 2017
Book Page	002864/002049
Instrument	2131525

Lender

Name	KWEST LLC
Address	PO BOX 420236, SUMMERLAND KEY, FL 33042-0236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of May 16, 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		$555,293 Land $249,200 Building $306,093	$555,293 Land $249,200 Building $306,093
2024	$5,151.00 (+10.04%)
2023	$4,681.00 (+12.58%)	$559,226 (+23.48%) Land $277,200 Building $282,026	$559,226 (+23.48%) Land $277,200 Building $282,026
2022	$4,158.00	$452,875 Land $170,800 Building $282,075	$452,875 Land $170,800 Building $282,075

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

Flood

FEMA maps place 52 Palm Dr 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

The area around 52 Palm Dr 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 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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