540 Porter Ln, Key West, FL 33040 Property Records

Monroe County property record for 540 Porter Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 960 sqft · built 1994
Lot Size	0.019 acres (834 sqft)
Owner	Company Name on Record
Last Sale	$875,000 (Sep 2022)
Tax Bill	$8,717 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2022 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00010120-011033`

Property Details

APN / Parcel Number

Primary APN	`00010120-011033`
Alternative APNs	`01010100010120011033` `8850778`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	834 sqft (0.019 acres)
Lot Dimensions	54 ft deep x 15 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	305 sqft
Deck Area	197 sqft
Patio Area	221 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	8850778
Street Address	540 PORTER LN
City	KEY WEST
State	FL
Zip	33040-8317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HPRD
Legal Description	KW PT LOTS 1 AND 4 SQR 52 (A/K/A UNIT 33) OR1325-553/6 OR1581-669/671 OR1834-404/06 OR2457-2190/91 OR2690-781/82 OR3186-0341 OR3192-1064
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	PRESIDENTS LANE TWNHMS
Legal Lot Number	1,4
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2029
Census Tract	972500

Owner

Source: Monroe County records, as of May 4, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1045 FAIRDALE WAY, WELLINGTON, FL 33414-9039
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC
Sep 1, 2022	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Jul 27, 2022	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2022 · Amount on Record
Deed Sale	Sep 1, 2022 · Amount on Record
Prior Sale	Jul 27, 2022 · Amount on Record
Deed Document Number	20222389975
Deed Book / Page	3192 / 1064
Prior Transfer Date	Aug 22, 2022
Prior Transfer Doc	0031921064
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Apr 23, 2026
Property Address	540 PORTER LN, KEY WEST, FL 33040-8317
Document Number	0002540763
Book / Page	3377 / 1416
Instrument Date	Apr 23, 2026
Instrument	20262540763
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1305 NW PINE LAKE DR, STUART, FL 34994-9434

Mortgage

Document Number	0002540763,
Date	Apr 23, 2026
Book Page	3377/1416
Instrument	20262540763

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Sep 1, 2022
Property Address	540 PORTER LN, KEY WEST, FL 33040-8317
Document Number	0031921064
Book / Page	3192 / 1064
Instrument Date	Aug 22, 2022
Instrument	2389975
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$6,125.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 FAIRDALE WAY, WELLINGTON, FL 33414-9039

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 27, 2022
Property Address	540 PORTER LN, KEY WEST, FL 33040-8317
Document Number	0031860341
Book / Page	3186 / 341
Instrument Date	Jul 25, 2022
Instrument	2385249
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1850 FOLSOM ST APT 802, 1850, BOULDER, CO 80302-5735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 FAIRDALE WAY, WELLINGTON, FL 33414-9039

Mortgage

Document Number	0003186346
Date	Jul 27, 2022
Instrument	3186/346

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	5.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	11.8%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Key West City
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,026,054 (+6%) Land $740,592 Building $285,462	$1,026,054 (+6%) Land $740,592 Building $285,462
2024	$8,717.00 (+1.83%)
2023	$8,560.00 (+26.76%)	$967,939 (+11.73%) Land $701,711 Building $266,228	$967,939 (+11.73%) Land $701,711 Building $266,228
2022	$6,753.00	$866,340 Land $597,019 Building $269,321	$866,340 Land $597,019 Building $269,321

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 307 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	746 units insured incl. 439 condo units
Nearby Flood Claims	53 (2005–2017)
Claims Outside the SFHA	5 of 53
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 50 claims Hurricane Wilma, Oct 2005 · 2 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 993 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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