910 16th Ter, Key West, FL 33040 Property Records

Monroe County property record for 910 16th Ter, Key West, FL 33040 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,796 sqft · built 1965
Lot Size	0.142 acres (6,200 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Nov 2012)
Tax Bill	$3,279 (2024)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00056950-000000`

Property Details

APN / Parcel Number

Primary APN	`00056950-000000`
Alternative APNs	`01010100056950000000` `1057436`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,796 sqft Living Area
1st Floor Area	1,796 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1992
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,200 sqft (0.142 acres)
Lot Dimensions	100 ft deep x 62 ft wide
Garage Type	Covered
Garage Area	222 sqft
Porch	Open Porch
Porch Area	313 sqft
Patio Area	365 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1057436
Street Address	910 16TH TER
City	KEY WEST
State	FL
Zip	33040-4245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LT 8 KW PEARLMAN HEIGHTS PB4-85 OR304-34/35 OR461-505/06 OR648-142 OR706-676/77 OR707-623 OR922-1405 OR998-2266 OR998-2261 OR1214-610/11 OR1474-84/85 OR1986-277 OR2558-461/62 OR2584-2297/98 OR2600-304/05
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	PEARLMAN HEIGHTS
Legal Block	1
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1016
Census Tract	971900

Owner

Source: Monroe County records · APN 00056950-000000

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 Individual Names on File
Mailing Address	910 16TH TER, KEY WEST, FL 33040-4245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 28, 2012 · Amount on Record
Deed Sale	Nov 28, 2012 · Amount on Record
Prior Sale	Mar 23, 2004 · Amount on Record
Deed Document Number	20121908897
Deed Book / Page	2600 / 304
Prior Transfer Date	Mar 02, 2012
Prior Transfer Doc	0025842297
Record Updated	Jun 08, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	910 16TH TER, KEY WEST, FL 33040-4245
Transaction Type	Mortgage
Record Updated	Sep 13, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 16TH TER, KEY WEST, FL 33040-4245

Mortgage

Document Number	0030740938
Date	Feb 09, 2021
Book Page	3074/938
Instrument	2303142

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 01, 2041

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
Municipality	Key West City
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		$392,496 (+5.99%)	$732,135 (-4.44%) Land $501,270 Building $230,865
2024	$3,279.00 (+1.93%)
2023	$3,217.00 (+4.62%) Homeowner's exemption	$370,326 (+3%)	$766,148 (+18.84%) Land $552,916 Building $213,232
2022	$3,075.00 Homeowner's exemption	$359,540	$644,701 Land $431,396 Building $213,305

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 120879719001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 532 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	721 units insured 189 under condo master policies
Nearby Flood Claims	473 (1980–2026)
Claims Outside the SFHA	3 of 473
Most Recent Claim	Jun 2026, other causes
Claims By Storm	Hurricane Irma, Sep 2017 · 91 claims Hurricane Wilma, Oct 2005 · 274 claims Hurricane Georges, Oct 1998 · 56 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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 236 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250

May also be available at this address: AT&T, Verizon, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.