1004 Packer St, #4, Key West, FL 33040 Property Records

Monroe County property record for 1004 Packer St, #4, Key West, FL 33040

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,632 sqft · built 2003
Lot Size	0.051 acres (2,213 sqft)
Owner	Company Name on File
Last Sale	$875,000 (Apr 2020)
Tax Bill	$10,118 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Apr 2020 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00030990-000103`

Property Details

APN / Parcel Number

Primary APN	`00030990-000103`
Alternative APN	`9003347`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Units	3 Units
Stories	2 Stories
Building Area	1,632 sqft Living Area
1st Floor Area	1,632 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2017
Architectural Style	Condo/Apartment
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,213 sqft (0.051 acres)
Lot Dimensions	58 ft deep x 28 ft wide

Exterior Amenities

Pool Area	160 sqft
Porch	Slab
Porch Area	144 sqft
Patio Area	486 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	9003347
Street Address	1004 PACKER ST, 4
City	KEY WEST
State	FL
Zip	33040-3261
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	HNC1
Legal Description	UNIT 4 TRUMAN GARDENS A CONDOMINIUM OR1906-315/16 OR2525-1708/09 OR2526-1317/19 OR3019-1788C OR3019-1790
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	WATSON G G
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2004
Census Tract	972800

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

1004 Packer St, #4 is owned by a company that bought it in April 2020 and is owner-occupied.

Source: Monroe County records, as of May 4, 2026

Owner of Record	Company Name on File
Mailing Address	1004 PACKER ST, 4, KEY WEST, FL 33040-3261
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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

Date	Document
Jun 26, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Apr 24, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Apr 24, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2020 · Amount on File
Deed Sale	Apr 24, 2020 · Amount on File
Prior Sale	Jul 13, 2011 · Amount on File
Deed Document Number	20202264188
Deed Book / Page	3019 / 1790
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1004 PACKER ST # 4, 4, KEY WEST, FL 33040-3261
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 MAPLE AVE, DELANCO, NJ 08075-4720

Mortgage

Document Number	0033321008
Date	Jun 26, 2025
Book Page	3332/1008
Instrument	2505784

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 24, 2020
Property Address	1004 PACKER ST # 4, 4, KEY WEST, FL 33040-3261
Document Number	0030191790
Book / Page	003019 / 001790
Instrument Date	Apr 24, 2020
Instrument	2264188
Transaction Type	Transfer
Record Updated	Jul 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$6,125.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1004 PACKER ST KEY WEST FL 330403261, KEY WEST, FL 33040-3261

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 24, 2020
Property Address	1004 PACKER ST # 4, 4, KEY WEST, FL 33040-3261
Document Number	0030191788
Book / Page	003019 / 001788
Instrument Date	Apr 24, 2020
Instrument	2264187
Transaction Type	Transfer
Record Updated	Jul 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1315 OLIVIA ST KEY WEST FL 330407222, KEY WEST, FL 33040-7222

Tax Assessment & Valuation

The 2025 property tax bill for 1004 Packer St, #4 was $10,118 with a homeowner's exemption, up 3.6% from the year before.

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	$10,118.00 (+3.6%) Homeowner's exemption	$1,203,072	$1,243,999 Land $823,935 Building $420,064
2024	$9,766.00 (+27.94%)
2023	$7,633.00 (+7.13%)	$866,920 (-0.52%) Land $471,811 Building $395,109	$866,920 (-0.52%) Land $471,811 Building $395,109
2022	$7,125.00	$871,420 Land $471,811 Building $399,609	$871,420 Land $471,811 Building $399,609

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

Flood

FEMA maps place 1004 Packer St, #4 in Zone X, an area of moderate flood risk, though there have been 4 flood claims nearby since 1994.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 191 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	198 units insured incl. 7 condo units
Nearby Flood Claims	4 (1994–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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 1004 Packer St, #4 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 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 917 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
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, T-Mobile.

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