80 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 80 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,892 sqft · built 2003
Lot Size	0.252 acres (10,990 sqft)
Owner	2 Company Names on File
Last Sale	$1,061,500 (Jun 2018)
Tax Bill	$11,978 (2024)
Deeds & Mortgages	Dec 2025 Transfer Dec 2025 Transfer + 4 more
Flood Zone	Zone AE (high risk)
APN	`00160690-000000`

Property Details

APN / Parcel Number

Primary APN	`00160690-000000`
Alternative APNs	`08672700160690000000` `1206261`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,892 sqft Living Area
1st Floor Area	1,892 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,990 sqft (0.252 acres)
View / Lot	Waterfront
Garage Type	Covered
Garage Area	576 sqft
Porch	Open Porch
Porch Area	1,300 sqft
Patio Area	1,850 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1206261
Street Address	80 BAY DR
City	KEY WEST
State	FL
Zip	33040-6115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 5 LT 40 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB-3-75 OR272-372 OR470-781/82 OR792-239 OR860-1655 OR992-2275 OR1022-59 OR1026-965C OR1137-1854 OR1355-862 OR2103-83/84PET OR2103-85ORD OR2140-398D/C OR2185-532ORD OR2185-650/51 OR2185-652/53 OR2185
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	5
Legal Lot Number	40
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

Source: Monroe County records · APN 00160690-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of Record	2 Company Names on File
Mailing Address	145 PEPPERS DR, PARIS, TN 38242-7126
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 10, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Feb 08, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK
Jun 08, 2018	Warranty Deed, Transfer FIRSTBANK
Jun 08, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 27, 2017	Deed of Trust, Mortgage STIFEL BK&TR

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 08, 2018 · Amount on Record
Deed Sale	Jun 08, 2018 · Amount on Record
Prior Sale	Jun 08, 2018 · Amount on Record
Deed Document Number	20182172641
Deed Book / Page	2910 / 1962
Last Transfer Date	Oct 29, 2025
Transfer Doc	0033570621
Record Updated	Jun 08, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Dec 10, 2025
Property Address	80 BAY DR, KEY WEST, FL 33040-6115
Document Number	0033570621
Book / Page	3357 / 621
Map Reference	MB 3 PG 75
Instrument Date	Oct 29, 2025
Instrument	2524956
Transaction Type	Transfer
Record Updated	Jan 09, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	145 PEPPERS DR, PARIS, TN 38242-7126

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	145 PEPPERS DR, PARIS, TN 38242-7126

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Dec 10, 2025
Property Address	80 BAY DR, KEY WEST, FL 33040-6115
Document Number	0033570619
Book / Page	3357 / 619
Map Reference	MB 3 PG 75
Instrument Date	Oct 29, 2025
Instrument	2524955
Transaction Type	Transfer
Record Updated	Jan 09, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	145 PEPPERS DR, PARIS, TN 38242-7126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 PEPPERS DR, PARIS, TN 38242-7126

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	80 BAY DR, KEY WEST, FL 33040-6115
Transaction Type	Mortgage
Record Updated	Feb 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 PINEHURST LN, PARIS, TN 38242-7124

Mortgage

Document Number	0031532139
Date	Feb 08, 2022
Book Page	3153/2139
Instrument	2360548

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37064

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 01, 2037

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 08, 2018
Property Address	80 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029101962
Book / Page	002910 / 001962
Instrument Date	Jun 06, 2018
Instrument	2172641
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$7,430.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	145 PEPPERS DR PARIS TN 382427126, PARIS, TN 38242-7126

Mortgage

Document Number	29101966
Date	Jun 08, 2018
Book Page	002910/001966
Instrument	2172643

Lender

Name	FIRSTBANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jun 07, 2023

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jun 08, 2018
Property Address	80 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029101958
Book / Page	002910 / 001958
Instrument Date	May 30, 2018
Instrument	2172639
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	7185 30TH ST SE ADA MI 493018594, ADA, MI 49301-8594

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	80 BAY DR, KEY WEST, FL 33040-6115
Document Number	0028512068
Book / Page	002851 / 002068
Instrument Date	Jan 27, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	80 BAY DR KEY WEST FL 330406115, KEY WEST, FL 33040-6115

Mortgage

Document Number	0028512068
Date	May 01, 2017
Book Page	002851/002068
Instrument	2121058

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,461,799 (-14.93%) Land $860,539 Building $601,260	$1,461,799 (-14.93%) Land $860,539 Building $601,260
2024	$11,978.00 (-1.32%)
2023	$12,138.00 (+20.91%)	$1,718,338 (+40.59%) Land $1,159,093 Building $559,245	$1,718,338 (+40.59%) Land $1,159,093 Building $559,245
2022	$10,039.00	$1,222,250 Land $671,747 Building $550,503	$1,222,250 Land $671,747 Building $550,503

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879716001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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 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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

Based on FCC filings for 140 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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