541 Ave C, Key West, FL 33040 Property Records

Monroe County property record for 541 Ave C, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,704 sqft · built 2003
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Feb 2026)
Tax Bill	$6,056 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Feb 2026 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00151820-000000`

Property Details

APN / Parcel Number

Primary APN	`00151820-000000`
Alternative APN	`1197360`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,704 sqft Living Area
1st Floor Area	1,704 sqft
Attic	Attic
Attic Area	240 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Covered
Garage Area	239 sqft
Porch	Unfinished Open Porch
Porch Area	61 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1197360
Street Address	541 AVENUE C
City	KEY WEST
State	FL
Zip	33040-5529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 7 LT 3 JOHNSONVILLE PB-1-53 BIG COPPITT Z-342 OR141-427 OR1157-1137D/C OR1297-2285/95(PROB #94-47-CP-10) OR1301-2071/72ORD OR1314-1709 OR1574-408/09 OR1635-22Q/C OR1843-584Q/C OR2063-236 OR2884-556/557QC
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	JOHNSONVILLE SUBD
Legal Block	7
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2007
Census Tract	971700

Owner

Source: Monroe County records, as of April 6, 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 Record
Mailing Address	426 BAY SHORE DR, SUMMERLAND KEY, FL 33042-5335
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 13, 2026	Warranty Deed, Transfer · Conventional Mortgage OCMBC INC
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 23, 2018	Loan Modification, Mortgage · Conventional Mortgage MR COOPER
Dec 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2026 · Amount on Record
Deed Sale	Feb 13, 2026 · Amount on Record
Prior Sale	May 26, 2000 · Amount on Record
Deed Document Number	20262532221
Deed Book / Page	3366 / 1250
Prior Transfer Date	Jun 17, 1994
Prior Transfer Doc	1314001709
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	541 AVENUE C, KEY WEST, FL 33040-5529
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 AVENUE C, KEY WEST, FL 33040-5529

Mortgage

Document Number	0031191548
Date	Aug 13, 2021
Book Page	3119/1548
Instrument	2335230

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 13, 2026
Property Address	541 AVENUE C, KEY WEST, FL 33040-5529
Document Number	0033661250
Book / Page	3366 / 1250
Map Reference	MB 1 PG 53
Instrument Date	Jan 13, 2026
Instrument	2532221
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1311 20TH ST, KEY WEST, FL 33040-4503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 BAY SHORE DR, SUMMERLAND KEY, FL 33042-5335

Mortgage

Document Number	0033661252
Date	Feb 13, 2026
Instrument	3366/1252

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	541 AVENUE C, KEY WEST, FL 33040-5529
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030260905
Date	Jun 11, 2020
Book Page	3026/905
Instrument	2268988

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	541 AVENUE C, KEY WEST, FL 33040-5529
Document Number	0029322195
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Nov 15, 2018
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 AVENUE C KEY WEST FL 330405529, KEY WEST, FL 33040-5529

Mortgage

Document Number	0029322195
Date	Oct 22, 2018
Book Page	002932/002195
Instrument	2191614

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	456 Months
Due	Oct 21, 2056

Interest

Rate Type	Fixed Rate
Rate	4.37%

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Dec 22, 2017
Property Address	541 AVENUE C, KEY WEST, FL 33040-5529
Document Number	0028840556
Book / Page	002884 / 000556
Instrument Date	Dec 18, 2017
Instrument	2148380
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2755 KEY WEST FL 330452755, KEY WEST, FL 33045-2755

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		$678,455 (+6.92%) Land $325,000 Building $353,455	$678,455 (+6.92%) Land $325,000 Building $353,455
2024	$6,056.00 (+6.49%)
2023	$5,687.00 (+6.14%)	$634,531 (+3.03%) Land $297,500 Building $337,031	$634,531 (+3.03%) Land $297,500 Building $337,031
2022	$5,358.00	$615,890 Land $275,000 Building $340,890	$615,890 Land $275,000 Building $340,890

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	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	Hurricane Irma, Sep 2017 · 51 claims Hurricane Wilma, Oct 2005 · 166 claims Hurricane Georges, Sep 1998 · 58 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 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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