8 Opal Dr, Key West, FL 33040 Property Records

Monroe County property record for 8 Opal Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 2010
Lot Size	0.029 acres (1,265 sqft)
Owner	Individual Name on Record
Tax Bill	$4,106 (2024)
Deeds & Mortgages	Oct 2021 Second Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00155820-000800`

Property Details

APN / Parcel Number

Primary APN	`00155820-000800`
Alternative APN	`9097792`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2014
Exterior Material	Plywood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,265 sqft (0.029 acres)
Porch	Open Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	9097792
Street Address	8 OPAL DR
City	KEY WEST
State	FL
Zip	33040-5653
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT TR C PORPOISE POINT SECTION 4 PB5-118 (A/K/A PARCEL 8 BAYSIDE LANDING-LEASEHOLD INTEREST) OR2482-208 OR2482-223
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	PORPOISE POINT SEC 4
Legal Tract	C
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1008
Census Tract	971700

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
Co-owner	Co-owner on Record
Mailing Address	8 OPAL DR, KEY WEST, FL 33040-5653
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HABITAT FOR HUNABUTY OF KEY WEST AND LOW
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEYS
Oct 4, 2021	Deed, Transfer TRUE TITLE FLORIDA KEYS INC
Feb 23, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2021
Deed Sale	Oct 4, 2021
Prior Sale	Feb 23, 2021 · Amount on Record
Deed Document Number	2342496
Deed Book / Page	3129 / 1509
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	8 OPAL DR, KEY WEST, FL 33040-5653
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 OPAL DR, KEY WEST, FL 33040-5653

Mortgage

Document Number	0031300422
Date	Oct 6, 2021
Book Page	3130/422
Instrument	2342892

Lender

Name	HABITAT FOR HUNABUTY OF KEY WEST AND LOW
Type	Government Agency
Address	KEY WEST, FL 33040

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	8 OPAL DR, KEY WEST, FL 33040-5653
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3655 SEASIDE DR 422, 422, KEY WEST, FL 33040-5356

Mortgage

Document Number	0031300403
Date	Oct 6, 2021
Book Page	3130/403
Instrument	2342891

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE FL
Recording Date	Oct 4, 2021
Property Address	8 OPAL DR, KEY WEST, FL 33040-5653
Document Number	0031291509
Book / Page	3129 / 1509
Map Reference	MB 5 PG 118
Instrument Date	Sep 29, 2021
Instrument	2342496
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	TRUE TITLE FLORIDA KEYS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5873, KEY WEST, FL 33045-5873

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	OPAL DRIVE, KEY WEST, FL 33040

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE FL
Recording Date	Feb 23, 2021
Property Address	8 OPAL DR, KEY WEST, FL 33040-5653
Document Number	0030770547
Book / Page	3077 / 547
Map Reference	MB 5 PG 118
Instrument Date	Jun 22, 2010
Instrument	2305253
Transaction Type	Transfer
Record Updated	Dec 21, 2021

Transaction

Amount	Amount Recorded
Tax	$1,373.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 OVERSEAS HWY STE 102, 102, KEY WEST, FL 33040-5650

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		$427,180 (+3.43%) Land $189,940 Building $237,240	$427,180 (+3.43%) Land $189,940 Building $237,240
2024	$4,106.00 (+4.48%)
2023	$3,930.00 (-0.51%) Homeowner's exemption	$413,027 (-0.58%) Land $189,940 Building $223,087	$413,027 (-0.58%) Land $189,940 Building $223,087
2022	$3,950.00 Homeowner's exemption	$415,456 Land $189,940 Building $225,516	$415,456 Land $189,940 Building $225,516

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 243 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	245 units insured incl. 2 condo units
Nearby Flood Claims	456 (1980–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 56 claims Hurricane Wilma, Oct 2005 · 178 claims Hurricane Georges, Sep 1998 · 180 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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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