86 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 86 Bay Dr, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,200 sqft · built 1980
Lot Size	0.215 acres (9,353 sqft)
Owner	Company Name on File
Last Sale	$1,600,000 (May 2023)
Tax Bill	$11,134 (2024)
Deeds & Mortgages	May 2023 Sale Apr 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00160720-000000`

Property Details

APN / Parcel Number

Primary APN	`00160720-000000`
Alternative APNs	`08672700160720000000` `1206296`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Flooring	Ceramic Tile
Interior Walls	Wood

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,353 sqft (0.215 acres)
View / Lot	Waterfront
Garage Type	Covered
Garage Area	888 sqft

Exterior Amenities

Pool Area	360 sqft
Porch	Open Porch
Porch Area	1,088 sqft
Deck Area	Deck Area
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1206296
Street Address	86 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 43 BAY POINT AMENDED PLAT SADDLEBUNCH KEYS PB3-75 OR310-425 OR502-1049 OR1579-690 OR2902-2462 OR3226-0113
Legal Range	27E
Legal Township	67S
Legal Section	08
Legal Subdivision	BAY POINT AMD PLAT
Legal Block	5
Legal Lot Number	43
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	1
Census Block	1039
Census Tract	971600

Owner

86 Bay Dr is owned by a company that bought it in May 2023.

Source: Monroe County records, as of April 14, 2026

Owner of Record	Company Name on File
Mailing Address	2538 GINNY WAY, LAFAYETTE, CO 80026-9159
Owner Type	Company
Vesting	Limited Liability Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 24, 2018	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2023 · Amount on File
Deed Sale	May 19, 2023 · Amount on File
Prior Sale	Apr 24, 2018 · Amount on File
Deed Document Number	20232418596
Deed Book / Page	3226 / 113
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 19, 2023
Property Address	86 BAY DR, KEY WEST, FL 33040-6115
Document Number	0032260113
Book / Page	3226 / 113
Map Reference	MB 3 PG 75
Instrument Date	May 18, 2023
Instrument	2418596
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$11,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	W4841 COUNTY ROAD A, FREDONIA, WI 53021-9226

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2538 GINNY WAY, LAFAYETTE, CO 80026-9159

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 24, 2018
Property Address	86 BAY DR, KEY WEST, FL 33040-6115
Document Number	0029022462
Book / Page	2902 / 2462
Map Reference	MB3 PG75
Instrument Date	Apr 19, 2018
Instrument	2165748
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	FIRST INTERNATIONAL TITLE IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 SILVER LAKE DR, 208, VENICE, FL 34292-4548

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8919 W HEATHER AVE, MILWAUKEE, WI 53224-2417

Mortgage

Document Number	0002165749
Date	Apr 24, 2018
Instrument	2165749

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

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		$1,286,007 Land $925,760 Building $360,247	$1,286,007 Land $925,760 Building $360,247
2024	$11,134.00 (+15.4%)
2023	$9,648.00 (+26.38%)	$1,481,718 (+55.54%) Land $1,246,942 Building $234,776	$1,481,718 (+55.54%) Land $1,246,942 Building $234,776
2022	$7,634.00	$952,602 Land $722,660 Building $229,942	$952,602 Land $722,660 Building $229,942

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

Flood

FEMA maps place 86 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 86 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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