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76 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 76 Bay Dr, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,668 sqft · built 1963
Lot Size0.237 acres (10,338 sqft)
OwnerOwner Name on File
Last Sale$729,000 (May 2004)
Tax Bill$4,222 (2024)
Deeds & MortgagesAug 2017 Line of Credit
Aug 2017 Mortgage
Flood ZoneZone AE (high risk)
APN00160670-000000

Property Details

APN / Parcel Number

Primary APN00160670-000000
Alternative APNs
  • 08672700160670000000
  • 1206245

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,668 sqft Living Area
1st Floor Area1,668 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 2006
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,338 sqft (0.237 acres)
Garage Area252 sqft

Exterior Amenities

PorchOpen Porch
Porch Area920 sqft
Deck Area564 sqft
Patio Area954 sqft
FenceFence
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1206245
Old Parcel Number08672700160670000000
Street Address76 BAY DR
CityKEY WEST
StateFL
Zip33040-6115
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 5 LT 38 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB-3-75 OR262-160 OR329-388/389 OR1672-748/750 OR1672-752D/C
Legal Range27E
Legal Township67S
Legal Section08
Legal SubdivisionBAY POINT AMD PLAT
Legal Block5
Legal Lot Number38
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1039
Census Tract971600

Owner

The current owner of 76 Bay Dr acquired it in June 2004.

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

Owner of RecordOwner Name on File
Mailing Address76 BAY DR, KEY WEST, FL 33040-6115
OccupancyOwner Occupied

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

DateDocument
Aug 30, 2017Deed of Trust, Mortgage · Line of Credit
FIRST AMERICAN BANK
Aug 30, 2017Deed of Trust, Mortgage · Conventional Mortgage
FLAGSTAR BANK FSB

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 28, 2004 · Amount on File
Deed SaleMay 28, 2004 · Amount on File
Prior SaleJan 23, 2001 · Amount on File
Deed Document Number1448224
Deed Book / Page2011 / 0792
Last Transfer DateJun 1, 2004
Transfer Doc0020111720
Record UpdatedJun 8, 2026

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address76 BAY DR, KEY WEST, FL 33040-6115
Transaction TypeMortgage
Record UpdatedFeb 7, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0028710890
DateAug 30, 2017
Book Page2871/0890
Instrument2137009
Lender
NameFIRST AMERICAN BANK
TypeBank
AddressHAMPSHIRE, IL 60140
Agreement
TypeLine of Credit
AmountAmount on Record
Term121 Months
DueSep 1, 2027
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address76 BAY DR, KEY WEST, FL 33040-6115
Transaction TypeMortgage
Record UpdatedFeb 7, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0028710874
DateAug 30, 2017
Book Page2871/0874
Instrument2137008
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2047

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$491,252$1,293,847 Land $987,470 Building $306,377
2024$4,222.00 (-0.24%)
2023$4,232.00 (+2.77%) Homeowner's exemption$463,503 (+3%)$1,627,659 (+50.49%) Land $1,330,061 Building $297,598
2022$4,118.00 Homeowner's exemption$450,003$1,081,570 Land $770,831 Building $310,739

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

Flood

FEMA maps place 76 Bay 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 537 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies537 in force
Nearby Flood Claims1,085 (1980–2022)
Claims Outside the SFHA1 of 1,085
Most Recent ClaimSep 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 76 Bay 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 RiskNot 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

ProviderMax 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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