84 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 84 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,764 sqft · built 1975
Lot Size	0.216 acres (9,415 sqft)
Owner	Individual Name on File
Last Sale	$177,881 (Sep 2024)
Tax Bill	$11,440 (2024)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jun 2020 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00160710-000000`

Property Details

APN / Parcel Number

Primary APN	`00160710-000000`
Alternative APNs	`08672700160710000000` `1206288`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,764 sqft Living Area
1st Floor Area	1,764 sqft
Basement Area	700 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,415 sqft (0.216 acres)
View / Lot	Waterfront
Garage Type	Covered
Garage Area	182 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	666 sqft
Deck Area	952 sqft
Patio Area	1,480 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1206288
Street Address	84 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 42 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 OR318-501 OR454-343 OR698-740 OR944-528 OR977-2009 OR1021-1452/53 OR1104-336 OR2690-1868/69 OR2857-2364/65 OR3024-1563 OR3092-75
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	5
Legal Lot Number	42
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

84 Bay Dr is owned by an individual who bought it in September 2024.

Source: Monroe County records, as of December 8, 2025

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	Individual Name on File
Mailing Address	1013 MARGARET ST, KEY WEST, FL 33040-3209
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Warranty Deed, Transfer · Conventional Mortgage PARKSIDE LENDING LLC
Jun 1, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 5, 2017	Warranty Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2024 · Amount on File
Deed Sale	Sep 25, 2024 · Amount on File
Prior Sale	Apr 23, 2021 · Amount on File
Deed Document Number	20242475781
Deed Book / Page	3294 / 185
Prior Transfer Date	Jun 20, 2014
Prior Transfer Doc	0026901868
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 23, 2021
Property Address	84 BAY DR, KEY WEST, FL 33040-6115
Document Number	0030920075
Book / Page	3092 / 75
Map Reference	MB 3 PG 75
Instrument Date	Apr 21, 2021
Instrument	2315892
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	377 MANNINGTON YORKETOWN RD, 377, PILESGROVE, NJ 08098-3034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 BAY DR, KEY WEST, FL 33040-6115

Mortgage

Document Number	309277
Date	Apr 23, 2021
Instrument	3092/77

Lender

Name	PARKSIDE LENDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jun 1, 2020
Property Address	84 BAY DR, KEY WEST, FL 33040-6115
Document Number	0030241563
Book / Page	003024 / 001563
Instrument Date	May 8, 2020
Instrument	2267611
Transaction Type	Transfer
Record Updated	Jul 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$17.00
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	377 MANNINGTON YORKETOWN RD PILESGROVE NJ 080983034, PILESGROVE, NJ 08098-3034

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 5, 2017
Property Address	84 BAY DR, KEY WEST, FL 33040-6115
Document Number	0028572364
Book / Page	002857 / 002364
Instrument Date	Jun 2, 2017
Instrument	2125966
Transaction Type	Transfer
Record Updated	Jun 19, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,000.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	377 MANNINGTON YORKETOWN RD PILESGROVE NJ 080983034, PILESGROVE, NJ 08098-3034

Mortgage

Document Number	28572366
Date	Jun 5, 2017
Book Page	002857/002366
Instrument	2125967

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2047

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		$1,324,825 Land $931,897 Building $392,928	$1,324,825 Land $931,897 Building $392,928
2024	$11,440.00 (-4.32%)
2023	$11,956.00 (+21.49%)	$1,630,363 (+47.25%) Land $1,255,208 Building $375,155	$1,630,363 (+47.25%) Land $1,255,208 Building $375,155
2022	$9,841.00	$1,107,175 Land $727,450 Building $379,725	$1,107,175 Land $727,450 Building $379,725

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

Flood

FEMA maps place 84 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 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 File 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

The area around 84 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 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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