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87 Bay Dr, Key West, FL 33040 Property Records

Monroe County property record for 87 Bay Dr, Key West, FL 33040 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,046 sqft · built 1963
Lot Size0.241 acres (10,536 sqft)
OwnerIndividual Name on File
Last Sale$2,042,000 (Oct 2022)
Tax Bill$12,323 (2024)
Deeds & MortgagesOct 2022 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00161080-000000

Property Details

APN / Parcel Number

Primary APN00161080-000000
Alternative APNs
  • 08672700161080000000
  • 1206652

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,046 sqft Living Area
1st Floor Area2,046 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 2016
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,536 sqft (0.241 acres)

Exterior Amenities

Pool Area288 sqft
PorchOpen Porch
Porch Area760 sqft
Deck Area248 sqft
Patio Area2,183 sqft
FenceFence
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1206652
Old Parcel Number08672700161080000000
Street Address87 BAY DR
CityKEY WEST
StateFL
Zip33040-6114
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 6 LT 29 BAY POINT AMENDED PLAT PB3-75 SADDLEBUNCH KEYS OR169-72 OR363-486/487 OR695-891/892 OR848-2378 OR862-20
Legal Range27E
Legal Township67S
Legal Section08
Legal SubdivisionBAY POINT AMD PLAT
Legal Block6
Legal Lot Number29
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1039
Census Tract971600

Owner

Source: Monroe County records · APN 00161080-000000

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address87 BAY DR, KEY WEST, FL 33040-6114
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 07, 2022 · Amount on Record
Deed SaleOct 07, 2022 · Amount on Record
Prior SaleApr 04, 2002
Deed Document Number2393793
Deed Book / Page3196 / 2457
Record UpdatedJun 08, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateOct 07, 2022
Property Address87 BAY DR, KEY WEST, FL 33040-6114
Document Number0031962457
Book / Page3196 / 2457
Map ReferenceMB 3 PG 75
Instrument DateOct 06, 2022
Instrument2393793
Transaction TypeTransfer
Record UpdatedOct 27, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$14,294.00
Amount AccuracyFull Amount Stated
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9119 PARK RD, 9119, CASSADAGA, NY 14718-9660

Transferred To (Grantee/Buyer)

NameVerified Name
Address6739 WISE AVE NW, CANTON, OH 44720-7358

Mortgage

Document Number0031962459
DateOct 07, 2022
Instrument3196/2459
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2052

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,464,430 (-16.11%) Land $968,338 Building $496,092$1,464,430 (-16.11%) Land $968,338 Building $496,092
2024$12,323.00 (-20.14%)
2023$15,431.00 (+70.58%)$1,745,692 (+51.25%) Land $1,304,292 Building $441,400$1,745,692 (+51.25%) Land $1,304,292 Building $441,400
2022$9,046.00$1,154,201 Land $755,897 Building $398,304$1,154,201 Land $755,897 Building $398,304

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879716001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 537 individual NFIP policies nearby
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies537 in force
Nearby Flood Claims1,085 (1980–2022)
Claims Outside the SFHA1 of 1,085
Most Recent ClaimSep 2022, other causes, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 256 claims
  • Hurricane Wilma, Oct 2005 · 486 claims
  • Hurricane Georges, Oct 1998 · 297 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond 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, availability as of December 31, 2025 · Published October 2026 · based on 140 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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