Monroe County property record for 550 Ave C, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,248 sqft · built 1998 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Sep 2016) |
| Tax Bill | $3,625 (2024) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00152580-000000 |
| Primary APN | 00152580-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Attic | Attic |
| Attic Area | 528 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Combination |
| 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 | 240 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 600 sqft |
| Patio Area | 600 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1198099 |
|---|---|
| Street Address | 550 AVENUE C |
| City | KEY WEST |
| State | FL |
| Zip | 33040-5530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 12 LT 13 JOHNSONVILLE PB-1-53 BIG COPPITT Z-342 OR558-679 OR1356-9/10DC/AFF OR1356-2011/12 OR1356-2140/41 OR1396-643/44 OR2378-1974 OR2499-2411D/C OR2814-585/86 |
| Legal Range | 26E |
| Legal Township | 67S |
| Legal Section | 22 |
| Legal Subdivision | JOHNSONVILLE SUBD |
| Legal Block | 12 |
| Legal Lot Number | 13 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 971700 |
550 Ave C is owned and occupied by two individuals who bought it in September 2016.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 550 AVENUE C, KEY WEST, FL 33040-5530 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2016 · Amount on File |
| Deed Sale | Sep 6, 2016 · Amount on File |
| Prior Sale | Sep 4, 2008 · Amount on File |
| Deed Document Number | 20162090487 |
| Deed Book / Page | 2814 / 585 |
| Transfer Doc | 1396000643 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 550 AVENUE C, KEY WEST, FL 33040-5530 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 550 AVENUE C, STOCK ISLAND, FL 33040-5530 |
| Document Number | 0031441647 |
|---|---|
| Date | Dec 22, 2021 |
| Book Page | 3144/1647 |
| Instrument | 2353904 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2042 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $418,387 | $616,714 Land $325,000 Building $291,714 | |
| 2024 | $3,625.00 (+5.19%) | ||
| 2023 | $3,446.00 (+2.93%) Homeowner's exemption | $394,754 (+3%) | $570,002 (+3.51%) Land $297,500 Building $272,502 |
| 2022 | $3,348.00 Homeowner's exemption | $383,257 | $550,663 Land $275,000 Building $275,663 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 550 Ave C 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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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.
The area around 550 Ave C 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.
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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