101 Front St, Apt 18, Key West, FL 33040 Property Records

Monroe County property record for 101 Front St, Apt 18, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,216 sqft · built 1995
Lot Size	0.018 acres (780 sqft)
Owner	2 Individual Names on File
Last Sale	$9,975 (Jan 2024)
Tax Bill	$8,543 (2024)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Mar 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00004590-002218`

Property Details

APN / Parcel Number

Primary APN	`00004590-002218`
Alternative APNs	`01010100004590002218` `8861915`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,216 sqft Living Area
1st Floor Area	1,216 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Exterior Material	Brick
Construction Type	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	780 sqft (0.018 acres)
Lot Dimensions	49 ft deep x 16 ft wide

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	143 sqft
Deck Area	33 sqft
Patio Area	33 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8861915
Street Address	101 FRONT ST, 18
City	KEY WEST
State	FL
Zip	33040-8376
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HPRD
Legal Description	UNIT 18 BLDG 7 THE FOUNDRY KW PT LOTS 2 AND 3 SQR 28 OR1345-2054 OR1375-579 OR1537-290 OR1851-1102 OR1974-2125 OR2431-1155 OR2585-2274 OR3259-1372 OR3259-1370
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	FOUNDRY TWNHMS
Legal Lot Number	2,3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2044
Census Tract	972500

Historic Designation

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

Historic District	Within 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 18 is owned by two individuals who bought it in January 2024.

Source: Monroe County records, as of December 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 568, NORTH EASTON, MA 02356-0568
Owner Type	Individual
Vesting	Tenants in Common

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
Jan 23, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKLAND TRUST CO
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage PIKE CREEK MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2024 · Amount on File
Deed Sale	Jan 23, 2024 · Amount on File
Prior Sale	Aug 24, 2012 · Amount on File
Deed Document Number	20242448691
Deed Book / Page	3259 / 1372
Prior Transfer Date	Jan 18, 2024
Prior Transfer Doc	0002448690
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 23, 2024
Property Address	101 FRONT ST APT 18, 18, KEY WEST, FL 33040-8376
Document Number	0032591372
Book / Page	3259 / 1372
Instrument Date	Jan 23, 2024
Instrument	2448691
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	802 OLD SCHOOL HOUSE RD, MIDDLETOWN, DE 19709-9066

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 568, NORTH EASTON, MA 02356-0568
Investor	Possibly a Property Investor

Mortgage

Document Number	0002448692
Date	Jan 23, 2024
Instrument	2448692

Lender

Name	ROCKLAND TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Mortgage

Document Number	0032591375
Date	Jan 23, 2024
Book Page	3259/1375
Instrument	2448692

Lender

Name	ROCKLAND TRUST CO
Type	Bank
Address	288 UNION ST, ROCKLAND, MA 02370

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	101 FRONT ST APT 18, 18, KEY WEST, FL 33040-8376
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37327 LEE LN, OCEAN VIEW, DE 19970-3832

Mortgage

Document Number	0030792223
Date	Mar 8, 2021
Book Page	3079/2223
Instrument	2307161

Lender

Name	PIKE CREEK MORTGAGE SERVICES INC
Type	Mortgage Company
Address	NEWARK, DE 19711

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

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		$1,143,050 Land $665,000 Building $478,050	$1,143,050 Land $665,000 Building $478,050
2024	$8,543.00 (+4.83%)
2023	$8,149.00 (+14.28%)	$1,061,022 (+19.59%) Land $630,000 Building $431,022	$1,061,022 (+19.59%) Land $630,000 Building $431,022
2022	$7,131.00	$887,213 Land $520,000 Building $367,213	$887,213 Land $520,000 Building $367,213

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 18 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 307 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	746 units insured incl. 439 condo units
Nearby Flood Claims	53 (2005–2017)
Claims Outside the SFHA	5 of 53
Most Recent Claim	Sep 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 18 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 334 locations within half a mile, as of December 31, 2025

Provider	Max 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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