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101 Front St, Apt 15, Key West, FL 33040 Property Records

Monroe County property record for 101 Front St, Apt 15, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 1,216 sqft · built 1994
Lot Size0.019 acres (842 sqft)
OwnerIndividual Name on File
Last Sale$1,220,000 (Oct 2025)
Tax Bill$9,192 (2024)
Deeds & MortgagesOct 2025 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00004590-002215

Property Details

APN / Parcel Number

Primary APN00004590-002215
Alternative APNs
  • 01010100004590002215
  • 8861885

Interior

Bedrooms2 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area1,216 sqft Living Area
1st Floor Area1,216 sqft
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 2013
Exterior MaterialCombination
Foundation TypeConcrete
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area842 sqft (0.019 acres)
Lot Dimensions53 ft deep x 16 ft wide
PorchOpen Porch
Porch Area143 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number8861885
Old Parcel Number01010100004590002215
Street Address101 FRONT ST APT 15, 15
CityKEY WEST
StateFL
Zip33040-8375
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKW PT LOTS 2 & 3 SQR 28 (A/K/A UNIT 15 BLDG 7 - THE FOUNDRY) OR1334-866/9 OR1380-1495/1497R/S OR1709-1254/56Q/C
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionFOUNDRY
Legal Lot Number2-3 3
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2044
Census Tract972500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the US Naval Station
listed 1984 · 22 contributing resources · NRIS 84000915

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

101 Front St, Apt 15 is owned by an individual who bought it in October 2025.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address6234 EMERY XING, LOVELAND, OH 45140-1639
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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 2, 2025 · Amount on File
Deed SaleOct 2, 2025 · Amount on File
Prior SaleJul 26, 2016 · Amount on File
Deed Document Number2517488
Deed Book / Page3347 / 1748
Record UpdatedJun 8, 2026

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateOct 2, 2025
Property Address101 FRONT ST APT 15, 15, KEY WEST, FL 33040-8375
Document Number0033471748
Book / Page3347 / 1748
Map ReferenceMB 1307 PG 1698
Instrument DateSep 30, 2025
Instrument2517488
Transaction TypeTransfer
Record UpdatedOct 22, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$8,540.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1403 PINE ST, KEY WEST, FL 33040-7244

Transferred To (Grantee/Buyer)

NameVerified Name
Address6234 EMERY XING, LOVELAND, OH 45140-1639

Mortgage

Document Number0033471754
DateOct 2, 2025
Instrument3347/1754
Lender
NameNEWREZ LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2055
Interest
Rate TypeAdjustable Rate
Rate5.5%
Type Change DateOct 1, 2032
Change Frequency6 Months
Min Rate At Change3%
Max Rate At Change10.5%
IndexSOFR Average 30-Day
Margin3
Max Rate10.5%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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$1,155,698 (+3.38%) Land $698,250 Building $457,448$1,155,698 (+3.38%) Land $698,250 Building $457,448
2024$9,192.00 (+4.96%)$1,117,896 (+1.41%) Land $661,500 Building $456,396$1,117,896 (+1.41%) Land $661,500 Building $456,396
2023$8,758.00 (+14.47%)$1,102,357 (+20.15%) Land $661,500 Building $440,857$1,102,357 (+20.15%) Land $661,500 Building $440,857
2022$7,651.00$917,477 Land $546,000 Building $371,477$917,477 Land $546,000 Building $371,477

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

Flood

FEMA maps place 101 Front St, Apt 15 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 Elevation6.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 307 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies746 units insured
incl. 439 condo units
Nearby Flood Claims53 (2005–2017)
Claims Outside the SFHA5 of 53
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 50 claims
  • Hurricane Wilma, Oct 2005 · 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 101 Front St, Apt 15 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 334 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
AT&T
Fixed Wireless · DSL · Fiber in parts of the area		100 / 20

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

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