72 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 72 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,200 sqft · built 1991
Lot Size	0.175 acres (7,648 sqft)
Owner	Individual Name on Record
Last Sale	$957,000 (Apr 2021)
Tax Bill	$9,151 (2024)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Nov 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00160650-000000`

Property Details

APN / Parcel Number

Primary APN	`00160650-000000`
Alternative APNs	`08672700160650000000` `1206229`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2012
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	7,648 sqft (0.175 acres)

Exterior Amenities

Pool Area	280 sqft
Porch	Open Porch
Porch Area	1,172 sqft
Deck Area	300 sqft
Patio Area	300 sqft
Fence	Fence
Water Feature	Water Feature
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1206229
Old Parcel Number	08672700160650000000
Street Address	72 BAY DR
City	KEY WEST
State	FL
Zip	33040-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 5 LT 36 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB-3-75 OR307-37 OR479-625 OR784-216 OR1731-483/84 OR2046-1340/56FJ
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	5
Legal Lot Number	36
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

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

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	5717 N KIMBALL AVE APT 1S, 1S, CHICAGO, IL 60659-4526
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Nov 16, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage IBERIABANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2021 · Amount on Record
Deed Sale	Apr 21, 2021 · Amount on Record
Prior Sale	Nov 16, 2018
Deed Document Number	2315420
Deed Book / Page	3091 / 911
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 21, 2021
Property Address	72 BAY DR, KEY WEST, FL 33040-6115
Document Number	0030910911
Book / Page	3091 / 911
Map Reference	MB 3 PG 75
Instrument Date	Apr 13, 2021
Instrument	2315420
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,699.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	72 BAY DR, 72, KEY WEST, FL 33040-6115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7620 KILDARE AVE, SKOKIE, IL 60076-3711

Mortgage

Document Number	3091913
Date	Apr 21, 2021
Instrument	3091/913

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	May 1, 2028
Change Frequency	Monthly
Min Rate At Change	5.12%
Max Rate At Change	7.12%
Index	Other
Max Rate	1.01%

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Nov 16, 2018
Property Address	72 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029361458
Book / Page	2936 / 1458
Map Reference	MB3 PG75
Instrument Date	Nov 8, 2018
Instrument	2194762
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	72 BAY DR, 72, KEY WEST, FL 33040-6115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 BAY DR, KEY WEST, FL 33040-6115

Mortgage

Document Number	0002194763
Date	Nov 16, 2018
Instrument	2194763

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

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		$1,047,136 (-18.51%) Land $725,526 Building $321,610	$1,047,136 (-18.51%) Land $725,526 Building $321,610
2024	$9,151.00 (-6.4%)
2023	$9,777.00 (+20.29%)	$1,285,000 (+45.82%) Land $977,240 Building $307,760	$1,285,000 (+45.82%) Land $977,240 Building $307,760
2022	$8,128.00	$881,240 Land $566,355 Building $314,885	$881,240 Land $566,355 Building $314,885

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 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

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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