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Single Family ResidenceResidential
$1,596,329$998 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $650,000 on Oct 6, 2008

45 BAY DR # A

KEY WEST, FL 33040
2
Beds
2
Baths
1,600 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$1.6M
$1.5M low$1.7M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$650,000 · Oct 6, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,085 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,305,924 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,071,452
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$234,472
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,261,831
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,305,924

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.96 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.100%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent coastal flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMonroe
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1996
Lot (acres)The size of the land the home sits on, from county records.0.29
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pile
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Forced Air
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 265 ft²Patio · 2,453 ft²Porch · 1,228 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Sugarloaf SchoolB-
Elementary · Grades PK–8 · 4.7 mi
H
Key West High SchoolC-
High · Grades 9–12 · 12.5 mi

District: Monroe County School District

Neighborhood · ZIP 33040These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.102
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.1

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.31,854
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.222 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$86,370
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$116,488
Average tempThe average temperature here across a full year.78°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.76%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

45 Bay Dr # A measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 78% of homes in Key West 33040
  • Costs more per square foot than 74% of homes in Monroe County
  • Bigger than 69% of homes in Key West 33040
  • Has a bigger lot than 81% of homes in Key West 33040
  • Newer than 74% of homes in Key West 33040

What homes are worth in Key West 33040

Each bar is how many homes fall in that price range. The marker is this home.

This home
$379K$4.1M

This home is worth more than 78% of homes in Key West 33040.

How it measures up in Key West 33040

The dot is this home. The mark in the middle is the typical home in Key West 33040.

Estimated value$1,596,329
CheaperTypical $984,028Pricier

Pricier than 78% of homes nearby

Price per ft²$998
CheaperTypical $771Pricier

Pricier than 67% of homes nearby

Living area1,600 ft²
SmallerTypical 1,288 ft²Bigger

Bigger than 69% of homes nearby

Lot size0.29 ac
SmallerTypical 0.12 acBigger

Bigger than 81% of homes nearby

Year built1992
OlderTypical 1973Newer

Newer than 74% of homes nearby

How 45 Bay Dr # A ranks against every home in each area.
MeasureThis homeKey West 33040Monroe County
Estimated valuepricier than$1,596,32978% of homes74% of homes
Price per ft²pricier than$99867% of homes74% of homes
Living areabigger than1,600 ft²69% of homes65% of homes
Lot sizebigger than0.29 ac81% of homes72% of homes
Year builtnewer than199274% of homes71% of homes

About 45 Bay Dr # A

How much is 45 Bay Dr # A, Key West, FL worth?

The TopHap Estimate for 45 Bay Dr # A, Key West, FL is $1,596,329 as of Sep 24, 2026. The likely range is $1,526,013 to $1,666,645. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Bay Dr # A, Key West, FL last sell?

45 Bay Dr # A, Key West, FL last sold on Oct 6, 2008 for $650,000, according to the county's recorded deed.

How big is 45 Bay Dr # A, Key West, FL?

45 Bay Dr # A, Key West, FL has 2 bedrooms, 2 bathrooms, 1,600 square feet of living space and a 0.29-acre lot.

When was 45 Bay Dr # A, Key West, FL built?

45 Bay Dr # A, Key West, FL was built in 1992, making it 34 years old. The building has 2 stories.

What schools serve 45 Bay Dr # A, Key West, FL?

45 Bay Dr # A, Key West, FL is assigned to Sugarloaf School (elementary), rated B-; Key West High School (high), rated C-. All sit in Monroe County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Bay Dr # A, Key West, FL compare to other homes in Key West 33040?

Among the 11,959 homes in Key West 33040, it is worth more than 78% of them ($1,596,329 against a typical $984,028), its price per square foot is higher than 67% of them ($998 against a typical $771), it is bigger than 69% of them (1,600 ft² against a typical 1,288 ft²), its lot is bigger than 81% of them (0.29 ac against a typical 0.12 ac) and it is newer than 74% of them (1992 against a typical 1973). Measured against all of Monroe County, it is worth more than 74% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 45 Bay Dr # A, Key West, FL?

The 2024 property tax bill for 45 Bay Dr # A, Key West, FL was $10,085. The county assessed it at $1,305,924.

More homes on Bay Dr # A

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