Monroe County property record for 8 Merganser Ln, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 845 sqft · built 1995 |
| Lot Size | 0.038 acres (1,652 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Dec 2015) |
| Tax Bill | $3,227 (2025) |
| Deeds & Mortgages | Jul 2026 Sale May 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00072081-000104 |
| Primary APN | 00072081-000104 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 845 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Combination |
| Construction Type | Concrete |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 1,652 sqft (0.038 acres) |
| Lot Dimensions | 76 ft deep x 26 ft wide |
| Porch | Florida Room |
| Porch Area | 146 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 8876289 |
|---|---|
| Street Address | 8 MERGANSER LN |
| City | KEY WEST |
| State | FL |
| Zip | 33040-4364 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PRD |
| Legal Description | TOWNHOME UNIT 8 KEY WEST GOLF CLUB DEVELOPMENT OR1377-750/825DEC OR1388-883/85 OR1732-1217/21 OR1912-1877/79 OR2546-530/32 OR2724-676/77 OR2776-863/64 |
| 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 |
8 Merganser Ln is owned and occupied by two individuals who acquired it in July 2026.
Source: Monroe County records, as of August 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8 MERGANSER LN, KEY WEST, FL 33040-4364 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| May 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2015 · Amount on File |
| Deed Sale | Dec 30, 2015 · Amount on File |
| Prior Sale | Feb 10, 2015 · Amount on File |
| Deed Document Number | 20152058784 |
| Deed Book / Page | 2776 / 863 |
| Last Transfer Date | Jul 7, 2026 |
| Transfer Doc | 0002553360 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 27, 2026 |
| Property Address | 8 MERGANSER LN, KEY WEST, FL 33040-4364 |
| Document Number | 0002553360 |
| Book / Page | 3393 / 2463 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 20262553360 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 8 MERGANSER LN, KEY WEST, FL 33040-4364 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 8 MERGANSER LN, KEY WEST, FL 33040-4364 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 8 MERGANSER LN, KEY WEST, FL 33040-4364 |
| Document Number | 0030990811 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 3099/811 |
| Instrument | 2320981 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Apr 1, 2046 |
The 2025 property tax bill for 8 Merganser Ln was $3,227 with a homeowner's exemption, up 5.4% from the year before.
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,227.00 (+5.42%) Homeowner's exemption | $365,278 | $520,140 Land $328,576 Building $191,564 |
| 2024 | $3,061.00 (+1.97%) | ||
| 2023 | $3,002.00 (+4.64%) Homeowner's exemption | $344,645 (+3%) | $569,312 (+30.44%) Land $403,908 Building $165,404 |
| 2022 | $2,869.00 Homeowner's exemption | $334,607 | $436,470 Land $269,272 Building $167,198 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8 Merganser Ln 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 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 File 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 |
|
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 risk around 8 Merganser Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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.
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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