77 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 77 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,820 sqft · built 1994
Lot Size	0.228 acres (9,914 sqft)
Owner	Individual Name on Record
Last Sale	$2,715,000 (May 2026)
Tax Bill	$13,146 (2025)
Deeds & Mortgages	May 2026 Sale Oct 2019 Mortgage + 1 more
Flood Zone	Zone VE (high risk)
APN	`00161030-000000`

Property Details

APN / Parcel Number

Primary APN	`00161030-000000`
Alternative APNs	`08672700161030000000` `1206601`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,820 sqft Living Area
1st Floor Area	1,820 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2014
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	9,914 sqft (0.228 acres)
View / Lot	Waterfront
Garage Type	Covered
Garage Area	360 sqft

Exterior Amenities

Pool Area	500 sqft
Porch	Open Porch
Porch Area	2,779 sqft
Deck Area	Deck Area
Patio Area	50 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1206601
Street Address	77 BAY DR
City	KEY WEST
State	FL
Zip	33040-6114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 6 LT 24 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 OR225-50-51 OR969-2113/18 OR1134-1811F/J OR1224-1482 OR1734-1282 OR2062-1942 OR2613-1174/75 OR2705-2064/65 OR2910-1913/14
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	6
Legal Lot Number	24
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 May 26, 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	54 GERRISH LN, NEW CANAAN, CT 06840-4115
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Oct 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jun 8, 2018	Warranty Deed, Transfer · ARM THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Jun 8, 2018 · Amount on Record
Deed Document Number	20262543631
Deed Book / Page	3381 / 347
Transfer Doc	1734001282
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 14, 2026
Property Address	77 BAY DR, KEY WEST, FL 33040-6114
Document Number	0002543631
Book / Page	3381 / 347
Instrument Date	May 12, 2026
Instrument	2026.2543631
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$1,919,505.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 GERRISH LN, NEW CANAAN, CT 06840-4115

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	77 BAY DR, KEY WEST, FL 33040-6114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029910094
Date	Oct 24, 2019
Book Page	2991/0094
Instrument	2241843

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 8, 2018
Property Address	77 BAY DR, KEY WEST, FL 33040-6114
Document Number	0029101913
Book / Page	2910 / 1913
Map Reference	MB3 PG75
Instrument Date	Jun 6, 2018
Instrument	2172633
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1449 MARAVILLOSO LOOP, WINDERMERE, FL 34786-7932

Mortgage

Document Number	0002172634
Date	Jun 8, 2018
Instrument	2172634

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	12.5%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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	$13,146.00 (+9.67%)	$1,487,325 (-17.22%) Land $971,572 Building $515,753	$1,487,325 (-17.22%) Land $971,572 Building $515,753
2024	$11,987.00 (-3.91%)
2023	$12,475.00 (+21.14%)	$1,796,725 (+44.51%) Land $1,308,648 Building $488,077	$1,796,725 (+44.51%) Land $1,308,648 Building $488,077
2022	$10,298.00	$1,243,347 Land $758,421 Building $484,926	$1,243,347 Land $758,421 Building $484,926

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 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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