62 Merganser Ln, Key West, FL 33040 Property Records

Monroe County property record for 62 Merganser Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 780 sqft · built 1995
Lot Size	0.024 acres (1,033 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Jul 2022)
Tax Bill	$3,673 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00072081-000131`

Property Details

APN / Parcel Number

Primary APN	`00072081-000131`
Alternative APNs	`26672500072081000131` `8876556`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	780 sqft Living Area
1st Floor Area	780 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2016
Construction Type	Concrete
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,033 sqft (0.024 acres)
Porch	Open Porch
Porch Area	211 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8876556
Street Address	62 MERGANSER LN
City	KEY WEST
State	FL
Zip	33040-4373
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD
Legal Description	TOWNHOME UNIT 35 KEY WEST GOLF CLUB DEVELOPMENT OR1377-750 OR1377-853 OR1726-1179 OR2052-1282 OR2332-55 OR2338-62 OR2382-774 OR2382-787 OR2382-788 OR2894-1645 OR3186-0010
Legal Range	25E
Legal Township	67S
Legal Section	26
Legal Subdivision	STOCK ISLAND
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1024
Census Tract	971900

Owner

Source: Monroe County records, as of October 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	62 MERGANSER LN, KEY WEST, FL 33040-4373
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Jul 26, 2022	Warranty Deed, Transfer · Balloon Mortgage ROMOCO INC
Mar 6, 2018	Warranty Deed, Transfer · VA Mortgage GOTMORTGAGE.COM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2022 · Amount on Record
Deed Sale	Jul 26, 2022 · Amount on Record
Prior Sale	Mar 6, 2018 · Amount on Record
Deed Document Number	20222385130
Deed Book / Page	3186 / 10
Prior Transfer Date	Nov 16, 2007
Prior Transfer Doc	0023320055
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	62 MERGANSER LN, KEY WEST, FL 33040-4373
Transaction Type	Mortgage
Record Updated	Jan 23, 2024
Title Company	WETCO TITLE, WESTCOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030710616
Date	Jan 26, 2021
Book Page	3071/616
Instrument	2301078

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 26, 2022
Property Address	62 MERGANSER LN, KEY WEST, FL 33040-4373
Document Number	0031860010
Book / Page	3186 / 10
Map Reference	MB 1377 PG 750
Instrument Date	Jul 22, 2022
Instrument	2385130
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1414 LAS LOMAS DR, BREA, CA 92821-1932

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 ISSAQUEENA TRL APT 1010, 1010, CENTRAL, SC 29630-8771

Mortgage

Document Number	0000318614
Date	Jul 26, 2022
Instrument	3186/14

Lender

Name	ROMOCO INC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 6, 2018
Property Address	62 MERGANSER LN, KEY WEST, FL 33040-4373
Document Number	0028941645
Book / Page	002894 / 001645
Instrument Date	Mar 1, 2018
Instrument	2158141
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	62 MERGANSER LN KEY WEST FL 330404373, KEY WEST, FL 33040-4373

Mortgage

Document Number	28941648
Date	Mar 6, 2018
Book Page	002894/001648
Instrument	2158142

Lender

Name	GOTMORTGAGE.COM
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2048

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	$3,673.00 (-7.57%) Homeowner's exemption	$419,543 (-7.76%) Land $228,706 Building $190,837	$419,543 (-7.76%) Land $228,706 Building $190,837
2024	$3,974.00 (+1.27%)
2023	$3,924.00 (+2%) Homeowner's exemption	$454,817 (+21.2%) Land $281,141 Building $173,676	$454,817 (+21.2%) Land $281,141 Building $173,676
2022	$3,270.00	$375,269 Land $204,782 Building $170,487	$375,269 Land $204,782 Building $170,487

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 532 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	721 units insured incl. 189 condo units
Nearby Flood Claims	473 (1980–2026)
Claims Outside the SFHA	3 of 473
Most Recent Claim	Jun 2026 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 91 claims Hurricane Wilma, Oct 2005 · 274 claims Hurricane Georges, Oct 1998 · 56 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber · Fixed Wireless, DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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