9 el Monte Ln, Key West, FL 33040 Property Records

Monroe County property record for 9 el Monte Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 2012
Lot Size	0.064 acres (2,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,172 (Oct 2020)
Tax Bill	$5,120 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2023 Second Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00157100-000000`

Property Details

APN / Parcel Number

Primary APN	`00157100-000000`
Alternative APNs	`21672600157100000000` `1202703`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2016
Exterior Material	Combination
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	2,800 sqft (0.064 acres)
Garage Type	Covered
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	42 sqft
Patio Area	42 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1202703
Street Address	9 EL MONTE LN
City	KEY WEST
State	FL
Zip	33040-5415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK 3 LT 19 GULFREST PARK PB4-119 BIG COPPITT KEY OR363-507 OR2408-1538 OR2418-469/73 OR2418-474/77 OR2418-478 OR2441-1752/54 OR2561-1391/92 OR2592-756/57 OR2621-835/36 OR3051-0556
Legal Range	26E
Legal Township	67S
Legal Section	21
Legal Subdivision	GULFREST PARK
Legal Block	3
Legal Lot Number	19
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3023
Census Tract	971700

Owner

Source: Monroe County records, as of May 4, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	9 EL MONTE LN, KEY WEST, FL 33040-5415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Deed of Trust, Mortgage PENNYMAC LOAN SERVICES LLC
Jan 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
May 26, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 19, 2020	Warranty Deed, Transfer · FHA Mortgage IBERIABANK
Sep 1, 2018	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2020 · Amount on Record
Deed Sale	Oct 19, 2020 · Amount on Record
Prior Sale	Oct 19, 2020 · Amount on Record
Deed Document Number	20202286796
Deed Book / Page	3051 / 556
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	9 EL MONTE LN, KEY WEST, FL 33040-5415
Transaction Type	Mortgage
Record Updated	May 10, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 EL MONTE LN, KEY WEST, FL 33040-5415

Mortgage

Document Number	0032710658
Date	Apr 15, 2024
Book Page	3271/658
Instrument	2457939

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	6101 CONDOR DR # 200, MOORPARK, CA 93021

Agreement

Amount	Amount Recorded
Term	319 Months
Due	Nov 1, 2050

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	9 EL MONTE LN, KEY WEST, FL 33040-5415
Transaction Type	Mortgage
Record Updated	Jan 26, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 EL MONTE LN, KEY WEST, FL 33040-5415

Mortgage

Document Number	0032072008
Date	Jan 11, 2023
Book Page	3207/2008
Instrument	2402945

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Nov 1, 2050

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	9 EL MONTE LN, KEY WEST, FL 33040-5415
Transaction Type	Mortgage
Record Updated	Jun 20, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 EL MONTE LN, KEY WEST, FL 33040-5415

Mortgage

Document Number	0031760379
Date	May 26, 2022
Book Page	3176/379
Instrument	2377352

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Nov 1, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 19, 2020
Property Address	9 EL MONTE LN, KEY WEST, FL 33040-5415
Document Number	0030510556
Book / Page	3051 / 556
Map Reference	MB 4 PG 119
Instrument Date	Oct 15, 2020
Instrument	2286796
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,431.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3727 TWIN OAKS CT, 3727, FLOWER MOUND, TX 75028-1299

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9 EL MONTE LN, KEY WEST, FL 33040-5415

Mortgage

Document Number	0003051558
Date	Oct 19, 2020
Instrument	3051/558

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	9 EL MONTE LN, KEY WEST, FL 33040-5415
Document Number	0029270152
Instrument Date	Sep 1, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9 EL MONTE LN KEY WEST FL 330405415, KEY WEST, FL 33040-5415

Mortgage

Document Number	0029270152
Date	Sep 14, 2018
Book Page	002927/000152
Instrument	2186634

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.37%

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	$5,120.00 (-1.23%) Homeowner's exemption	$567,689 (-6.31%) Land $226,800 Building $340,889	$567,689 (-6.31%) Land $226,800 Building $340,889
2024	$5,184.00 (-0.94%)
2023	$5,233.00 (+19.8%) Homeowner's exemption	$605,947 (+18.04%) Land $290,304 Building $315,643	$605,947 (+18.04%) Land $290,304 Building $315,643
2022	$4,368.00	$513,333 Land $194,292 Building $319,041	$513,333 Land $194,292 Building $319,041

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 233 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	272 units insured incl. 39 condo units
Nearby Flood Claims	287 (1980–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 49 claims Hurricane Wilma, Oct 2005 · 166 claims Hurricane Georges, Oct 1998 · 50 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	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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