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1003 18th St, Key West, FL 33040 Property Records

Monroe County property record for 1003 18th St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,020 sqft · built 1974
Lot Size0.134 acres (5,815 sqft)
Owner2 Individual Names on Record
Last Sale$390,000 (Aug 2015)
Tax Bill$5,035 (2024)
Deeds & MortgagesMar 2019 Line of Credit
Dec 2020 Mortgage
Flood ZoneZone AE (high risk)
APN00056320-000000

Property Details

APN / Parcel Number

Primary APN00056320-000000
Alternative APNs
  • 01010100056320000000
  • 1056855

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,020 sqft Living Area
1st Floor Area2,020 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 2013
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,815 sqft (0.134 acres)
Lot Dimensions59 ft deep x 100 ft wide
PorchOpen Porch
Porch Area92 sqft
Patio Area175 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1056855
Street Address1003 18TH ST
CityKEY WEST
StateFL
Zip33040-4205
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF-2
Legal DescriptionBK 1 LT 18 KW PB5-125 PEARLMAN ESTATES THIRD ADDITION OR532-356 OR1268-1187 OR1722-1680 OR2726-37 OR2758-1092 OR2758-1095 OR3273-0034
Legal Range25E
Legal Township67S
Legal Section34
Legal SubdivisionPEARLMAN ESTATES THIRD ADDITION
Legal Block1
Legal Lot Number18
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2000
Census Tract971900

Owner

Source: Monroe County records, as of March 26, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address1003 18TH ST, KEY WEST, FL 33040-4205
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Mar 4, 2019Deed of Trust, Mortgage · Line of Credit
WELLS FARGO BANK NA
Dec 30, 2020Deed of Trust, Mortgage · VA Mortgage
FIRST HORIZON BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 31, 2015 · Amount on Record
Deed SaleAug 31, 2015 · Amount on Record
Prior SaleFeb 24, 2015
Deed Document Number20152043732
Deed Book / Page2758 / 1095
Last Transfer DateApr 15, 2024
Transfer Doc0032730034
Record UpdatedOct 29, 2026

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1003 18TH ST, KEY WEST, FL 33040-4205
Transaction TypeMortgage
Record UpdatedJul 29, 2022
Title CompanyAMERICAN TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029511477
DateMar 4, 2019
Book Page2951/1477
Instrument2209161
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMar 4, 2049
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1003 18TH ST, KEY WEST, FL 33040-4205
Transaction TypeMortgage
Record UpdatedJul 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1003 18TH ST, KEY WEST, FL 33040-4205

Mortgage

Document Number0030661117
DateDec 30, 2020
Book Page3066/1117
Instrument2297473
Lender
NameFIRST HORIZON BANK
TypeBank
AddressMEMPHIS, TN 38103
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$617,005 (+5.99%)$822,587 (-3.93%) Land $479,738 Building $342,849
2024$5,035.00 (+1.78%)
2023$4,947.00 (+4.57%) Senior Citizen's exemption$582,153 (+3%)$856,216 (+19.7%) Land $529,165 Building $327,051
2022$4,731.00 Senior Citizen's exemption$565,198$715,323 Land $412,865 Building $302,458

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 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 Record
median of 220 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies363 units insured
incl. 143 condo units
Nearby Flood Claims348 (1979–2022)
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 30 claims
  • Hurricane Wilma, Oct 2005 · 243 claims
  • Hurricane Georges, Sep 1998 · 51 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 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 305 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250

May also be available: Hotwire Communications, Verizon.

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