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93 Palm Dr, Key West, FL 33040 Property Records

Monroe County property record for 93 Palm Dr, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,290 sqft · built 2016
Lot Size0.064 acres (2,800 sqft)
OwnerIndividual Name on File
Last Sale$820,000 (Mar 2025)
Tax Bill$6,389 (2024)
Deeds & MortgagesMay 2021 Mortgage
Mar 2022 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00162010-000100

Property Details

APN / Parcel Number

Primary APN00162010-000100
Alternative APN
  • 9103023

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories3 Stories
Building Area1,290 sqft Living Area
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2018
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area2,800 sqft (0.064 acres)
PorchOpen Porch

Utilities, Heating & Cooling

Heating SystemForced Air

Location & Zoning

Account Number9103023
Street Address93 PALM DR
CityKEY WEST
StateFL
Zip33040-6117
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 45 BAY POINT TRAILER PARK PB3-57 SADDLEBUNCH KEYS OR26-83 OR469-255/58 OR960-1601 OR1003-681 OR2538-786LET/ADM
Legal Range27
Legal Township67
Legal Section08
Legal SubdivisionBAY POINT TRAILER PARK
Legal Lot Number45
JurisdictionMONROE FL
Township / Civil DivisionLOWER KEYS
Census Block Group1
Census Block1039
Census Tract971600

Owner

93 Palm Dr is owned and occupied by an individual who bought it in March 2025.

Source: Monroe County records, as of December 5, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address93 PALM DR, KEY WEST, FL 33040-6117
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
May 24, 2021Deed of Trust, Mortgage · VA Mortgage
PENNYMAC LOAN SERVICES LLC
Mar 28, 2022Warranty Deed, Transfer · Conventional Mortgage
AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 10, 2025 · Amount on File
Deed SaleMar 10, 2025 · Amount on File
Prior SaleMar 28, 2022 · Amount on File
Deed Document Number2492476
Deed Book / Page3315 / 260
Record UpdatedJun 8, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address93 PALM DR, KEY WEST, FL 33040-6117
Transaction TypeMortgage
Record UpdatedJan 26, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address93 PALM DR, KEY WEST, FL 33040-6117

Mortgage

Document Number0030991794
DateMay 24, 2021
Book Page3099/1794
Instrument2321238
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressSTEVENSON RANCH, CA 91381
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2051

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMar 28, 2022
Property Address93 PALM DR, KEY WEST, FL 33040-6117
Document Number0031631788
Book / Page3163 / 1788
Map ReferenceMB 3 PG 57
Instrument DateMar 22, 2022
Instrument2367780
Transaction TypeTransfer
Record UpdatedJan 26, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,425.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address93 PALM DR, KEY WEST, FL 33040-6117

Transferred To (Grantee/Buyer)

NameVerified Name
Address717 FLOWERS ST, SAINT AUGUSTINE, FL 32092-2458

Mortgage

Document Number0031631790
DateMar 28, 2022
Instrument3163/1790
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2052

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$661,979 Land $264,600 Building $397,379$661,979 Land $264,600 Building $397,379
2024$6,389.00 (+4.41%)
2023$6,119.00 (+66.55%)$669,264 (+58.71%) Land $308,000 Building $361,264$669,264 (+29.15%) Land $308,000 Building $361,264
2022$3,674.00 Homeowner's exemption$421,684$518,198 Land $175,700 Building $342,498

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

Flood

FEMA maps place 93 Palm 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 537 policies
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 · 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 93 Palm 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 RiskNot 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

ProviderMax 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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