1008 White St, Key West, FL 33040 Property Records

Monroe County property record for 1008 White St, Key West, FL 33040

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4 bd · 2,527 sqft · built 1943
Lot Size	0.129 acres (5,606 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Nov 2023)
Tax Bill	$10,887 (2024)
Deeds & Mortgages	May 2021 Sale & Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`00032420-000000`

Property Details

APN / Parcel Number

Primary APN	`00032420-000000`
Alternative APNs	`01010100032420000000` `1033171`

Interior

Bedrooms	4 Beds
Units	3 Units
Stories	2 Stories
Building Area	2,527 sqft Gross Area
1st Floor Area	2,527 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1994
Exterior Material	Wood Siding
Construction Type	Wood
Fire Resistance	Fireproof Reinforced Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,606 sqft (0.129 acres)
Lot Dimensions	111 ft deep x 51 ft wide
Porch	Open Porch
Porch Area	276 sqft
Patio Area	25 sqft

Location & Zoning

Account Number	1033171
Street Address	1008 WHITE ST
City	KEY WEST
State	FL
Zip	33040-3325
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	HNC-1
Legal Description	KW GWYNN SUB 0-195 LT 5 SQR 1 TR 13 OR313-573 OR655-139 OR712-96 OR856-392 OR1420-637 OR2560-1163 OR3100-0207 OR3251-0594
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KW GWYNN SUB
Legal Tract	13
Legal Lot Number	5
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2000
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

Source: Monroe County records, as of December 8, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	910 MADRID ST, CORAL GABLES, FL 33134-2208
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2023 · Amount on Record
Deed Sale	Nov 17, 2023 · Amount on Record
Prior Sale	May 24, 2021 · Amount on Record
Deed Document Number	20232440426
Deed Book / Page	3251 / 594
Prior Transfer Date	Mar 16, 2012
Prior Transfer Doc	0025601163
Record Updated	Jun 8, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE FL
Recording Date	May 24, 2021
Property Address	1008 WHITE ST, KEY WEST, FL 33040-3325
Document Number	0031000207
Book / Page	3100 / 207
Map Reference	MB O PG 195
Instrument Date	May 17, 2021
Instrument	2321470
Transaction Type	Transfer
Record Updated	Sep 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2601 S ROOSEVELT BLVD # BLVD606B, BLVD606B, KEY WEST, FL 33040-5117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2420 CORAL WAY, CORAL GABLES, FL 33145-3410

Mortgage

Document Number	0003100210
Date	May 24, 2021
Instrument	3100/210

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	May 17, 2028

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		$1,384,473 (-0.96%) Land $1,114,753 Building $269,720	$1,384,473 (-0.96%) Land $1,114,753 Building $269,720
2024	$10,887.00 (+4.12%)
2023	$10,456.00 (+30.24%)	$1,397,893 (+56.9%) Land $1,196,320 Building $201,573	$1,397,893 (+56.9%) Land $1,196,320 Building $201,573
2022	$8,028.00	$890,960 Land $679,728 Building $211,232	$890,960 Land $679,728 Building $211,232

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 662 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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