58 Palm Dr, Key West, FL 33040 Property Records

Monroe County property record for 58 Palm Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 2017
Lot Size	0.064 acres (2,800 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Sep 2019)
Tax Bill	$3,655 (2024)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00162850-000000`

Property Details

APN / Parcel Number

Primary APN	`00162850-000000`
Alternative APNs	`08672700162850000000` `1208370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,296 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Plywood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,800 sqft (0.064 acres)
Lot Dimensions	70 ft deep x 40 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	520 sqft
Patio Area	520 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air

Location & Zoning

Account Number	1208370
Old Parcel Number	08672700162850000000
Street Address	58 PALM DR
City	KEY WEST
State	FL
Zip	33040-6129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK E LT 9 BAY POINT TRAILER PARK FIRST ADDITION SADDLEBUNCH KEYS PB4-9 OR433-454 OR490-1025 OR910-2436 OR2802-1358D/C
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT TRAILER PARK 1ST ADD
Legal Block	E
Legal Lot Number	9
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1055
Census Tract	971600

Owner

58 Palm Dr is owned and occupied by an individual who bought it in September 2019.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	58 PALM DR, KEY WEST, FL 33040-6129
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
Sep 20, 2019	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK
Mar 24, 2017	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2019 · Amount on File
Deed Sale	Sep 20, 2019 · Amount on File
Prior Sale	Mar 24, 2017 · Amount on File
Deed Document Number	2237546
Deed Book / Page	2985 / 1897
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 20, 2019
Property Address	58 PALM DR, KEY WEST, FL 33040-6129
Document Number	0029851897
Book / Page	2985 / 1897
Map Reference	MB 4 PG 9
Instrument Date	Sep 18, 2019
Instrument	2237546
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	47 PALM DR, 47, KEY WEST, FL 33040-6117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 FLAGLER AVE # 1, 1, KEY WEST, FL 33040-4817

Mortgage

Document Number	0029851899
Date	Sep 20, 2019
Instrument	2985-1899

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 24, 2017
Property Address	58 PALM DR, KEY WEST, FL 33040-6129
Document Number	0028451496
Book / Page	2845 / 1496
Map Reference	MB4 PG9
Instrument Date	Mar 24, 2017
Instrument	2115918
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3152 NORTHSIDE DR # DR101B, 3152, KEY WEST, FL 33040-8006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 PALM DR, KEY WEST, FL 33040-6129

Mortgage

Document Number	0002115919
Date	Mar 24, 2017
Instrument	2115919

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$422,048	$565,186 Land $249,200 Building $315,986
2024	$3,655.00 (-0.65%)
2023	$3,679.00 (+2.77%) Homeowner's exemption	$398,208 (+3%)	$569,490 (+22.16%) Land $277,200 Building $292,290
2022	$3,580.00 Homeowner's exemption	$386,610	$466,173 Land $170,800 Building $295,373

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

Flood

FEMA maps place 58 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 58 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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