920 Terry Ln, Key West, FL 33040 Property Records

Monroe County property record for 920 Terry Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,807 sqft · built 1938
Lot Size	0.074 acres (3,212 sqft)
Owner	Individual Name on Record
Last Sale	$1,555,000 (Oct 2021)
Tax Bill	$14,291 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2021 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00014920-000000`

Property Details

APN / Parcel Number

Primary APN	`00014920-000000`
Alternative APNs	`01010100014920000000` `1015261`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,807 sqft Living Area
1st Floor Area	1,807 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2016
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,212 sqft (0.074 acres)
Lot Dimensions	79 ft deep x 41 ft wide

Exterior Amenities

Pool Area	81 sqft
Porch	Open Porch
Porch Area	264 sqft
Patio Area	344 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1015261
Street Address	920 TERRY LN
City	KEY WEST
State	FL
Zip	33040-7333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW PT LOT 8 SQR 3 TR 3 E2-95 G49-38/39 OR128-596/97 OR381-477/78 OR1893-2015 OR1971-1904/05 OR2619-1222/23 OR2862-432/33 OR3133-1546
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 03 TR 03
Legal Tract	3
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1016
Census Tract	972400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Key West Historic District (Boundary Increase) listed 1983 · 2,494 contributing resources · NRIS 83001430

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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 Record
Mailing Address	7614 WOLFPEN RIDGE CT, PROSPECT, KY 40059-7109
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Oct 25, 2021	Warranty Deed, Transfer
Jun 30, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2021 · Amount on Record
Deed Sale	Oct 25, 2021 · Amount on Record
Prior Sale	Jun 30, 2017 · Amount on Record
Deed Document Number	20212345581
Deed Book / Page	3133 / 1546
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	920 TERRY LN, KEY WEST, FL 33040-7333
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7614 WOLFPEN RIDGE CT, PROSPECT, KY 40059-7109

Mortgage

Document Number	0031392008
Date	Nov 29, 2021
Book Page	3139/2008
Instrument	2350242

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 25, 2021
Property Address	920 TERRY LN, KEY WEST, FL 33040-7333
Document Number	0031331546
Book / Page	3133 / 1546
Instrument Date	Oct 22, 2021
Instrument	2345581
Transaction Type	Transfer
Record Updated	Nov 17, 2021

Transaction

Amount	Amount Recorded
Tax	$10,885.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4909 W OAK HARBOR SOUTHEAST RD, 4909, PORT CLINTON, OH 43452-9160

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7614 WOLDF PEN RIDGE COURT, PROSPECT, KY 40059-7109

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 30, 2017
Property Address	920 TERRY LN, KEY WEST, FL 33040-7333
Document Number	0028620432
Book / Page	002862 / 000432
Instrument Date	Jun 30, 2017
Instrument	2129418
Transaction Type	Transfer
Record Updated	Jul 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$8,225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4909 W OAK HARBOR SOUTHEAST RD PORT CLINTON OH 434529160, PORT CLINTON, OH 43452-9160

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,674,373 (-1.68%) Land $797,572 Building $876,801	$1,674,373 (-1.68%) Land $797,572 Building $876,801
2024	$14,291.00 (+4.86%)
2023	$13,629.00 (+16.05%)	$1,702,955 (+24.39%) Land $871,897 Building $831,058	$1,702,955 (+24.39%) Land $871,897 Building $831,058
2022	$11,744.00	$1,369,009 Land $528,856 Building $840,153	$1,369,009 Land $528,856 Building $840,153

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	180 units insured incl. 32 condo units
Nearby Flood Claims	84 (1980–2022)
Claims Outside the SFHA	41 of 84
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 23 claims Hurricane Wilma, Oct 2005 · 30 claims Hurricane Georges, Sep 1998 · 18 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	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 993 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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