732 Windsor Ln, Key West, FL 33040 Property Records

Monroe County property record for 732 Windsor Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 684 sqft · built 1933
Lot Size	0.036 acres (1,549 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,450,000 (Nov 2024)
Tax Bill	$7,993 (2024)
Deeds & Mortgages	May 2026 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00019250-000000`

Property Details

APN / Parcel Number

Primary APN	`00019250-000000`
Alternative APNs	`01010100019250000000` `1019933`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	684 sqft Living Area
1st Floor Area	684 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2016
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,549 sqft (0.036 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	96 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1019933
Street Address	732 WINDSOR LN
City	KEY WEST
State	FL
Zip	33040-6456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HHDR
Legal Description	KW PT LOT 1 OF TR 5 OR46-445 OR711-773 OR876-355 OR979-1831 OR1076-558 OR1231-1963 OR1700-158 OR2057-380 OR2141-1367 OR2691-2247 OR2711-1230 OR2990-0394 OR3006-2401 OR3301-0544
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	ISLAND OF KEY WEST
Legal Tract	5
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3013
Census Tract	972400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Key West Historic District (Boundary Increase) listed 1983 · 2,494 contributing resources · NRIS 83001430

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Monroe County records, as of May 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	243 BAYVIEW DR S, OAKDALE, NY 11769-2237
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage NATIONWIDE MORTGAGE BANKERS INC
Feb 3, 2020	Warranty Deed, Transfer · Conventional Mortgage BACARDI HILDA M LIVING TR (LT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2024 · Amount on Record
Deed Sale	Nov 22, 2024 · Amount on Record
Prior Sale	Feb 3, 2020 · Amount on Record
Deed Document Number	20242481514
Deed Book / Page	3301 / 544
Prior Transfer Date	Oct 16, 2019
Prior Transfer Doc	0029900394
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	May 4, 2026
Property Address	732 WINDSOR LN, KEY WEST, FL 33040-6456
Document Number	0002542062
Book / Page	3379 / 388
Instrument Date	Apr 30, 2026
Instrument	20262542062
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WESCOR LAND TITLE INSURANCE, WESTCOR LAND TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 BAYVIEW DR S, OAKDALE, NY 11769-2237
Investor	Possibly a Property Investor

Mortgage

Document Number	0002542062,
Date	May 4, 2026
Book Page	3379/388
Instrument	20262542062

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 3, 2020
Property Address	732 WINDSOR LN, KEY WEST, FL 33040-6456
Document Number	0030062401
Book / Page	003006 / 002401
Instrument Date	Jan 30, 2020
Instrument	2254506
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,970.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	225 ALCAZAR AVE CORAL GABLES FL 331344401, CORAL GABLES, FL 33134-4401

Mortgage

Document Number	30062407
Date	Feb 3, 2020
Book Page	003006/002407
Instrument	2254509

Lender

Name	BACARDI HILDA M LIVING TR (LT)
Address	15301 SW 248TH ST, HOMESTEAD, FL 33032-3401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$1,149,996 (+7.59%) Land $693,147 Building $456,849	$1,149,996 (+7.59%) Land $693,147 Building $456,849
2024	$7,993.00 (+5.95%)
2023	$7,544.00 (+19.31%)	$1,068,903 (+33.48%) Land $656,389 Building $412,514	$1,068,903 (+33.48%) Land $656,389 Building $412,514
2022	$6,323.00	$800,805 Land $420,089 Building $380,716	$800,805 Land $420,089 Building $380,716

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	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 285 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	328 units insured incl. 43 condo units
Nearby Flood Claims	89 (1980–2025)
Claims Outside the SFHA	43 of 89
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 23 claims Hurricane Wilma, Oct 2005 · 8 claims Hurricane Georges, Sep 1998 · 25 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 922 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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