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1011 Howe St, Key West, FL 33040 Property Records

Monroe County property record for 1011 Howe St, Key West, FL 33040 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details1 bd · 1 ba · 518 sqft · built 1994
Lot Size0.031 acres (1,392 sqft)
OwnerIndividual Name on File
Last Sale$750,000 (Sep 2025)
Tax Bill$5,951 (2024)
Deeds & MortgagesSep 2025 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00026680-000100

Property Details

APN / Parcel Number

Primary APN00026680-000100
Alternative APN
  • 8929601

Interior

Bedrooms1 Bed
Full Baths1 Bath
Stories1 Story
Building Area518 sqft Living Area
1st Floor Area518 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 2013
Exterior MaterialCombination
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area1,392 sqft (0.031 acres)

Exterior Amenities

PorchOpen Porch
Porch Area144 sqft
Patio Area208 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number8929601
Street Address1011 HOWE ST
CityKEY WEST
StateFL
Zip33040-7509
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKW PB1-25-40 PT LOT 3 SQR 6 TR 10 OR1556-2117/19P/R OR1567-431/432P/R OR1639-1209/10C/T OR1674-786 CITY RES NO 01-359
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionTRACTS 10 AND 15
Legal Tract10
Legal Lot Number3
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2004
Census Tract972400

Owner

Source: Monroe County records · APN 00026680-000100

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1011 HOWE ST, KEY WEST, FL 33040-7509
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 16, 2025 · Amount on Record
Deed SaleSep 16, 2025 · Amount on Record
Prior SaleMay 31, 2023 · Amount on Record
Deed Document Number2515413
Deed Book / Page3345 / 202
Record UpdatedJun 08, 2026

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 16, 2025
Property Address1011 HOWE ST, KEY WEST, FL 33040-7509
Document Number0033450202
Book / Page3345 / 202
Map ReferenceMB 1 PG 40
Instrument DateSep 15, 2025
Instrument2515413
Transaction TypeTransfer
Record UpdatedOct 16, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5,250.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2819 BOB COX RD NW, MARIETTA, GA 30064-1846

Transferred To (Grantee/Buyer)

NameVerified Name
Address1011 HOWE ST, KEY WEST, FL 33040-7509

Mortgage

Document Number0003345209
DateSep 16, 2025
Instrument3345/209
Lender
NameCOAST2COAST MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2055

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$645,335 (-2.89%) Land $442,740 Building $202,595$645,335 (-2.89%) Land $442,740 Building $202,595
2024$5,951.00$664,509 Land $471,303 Building $193,206$664,509 Land $471,303 Building $193,206

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879724002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation6.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 180 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies228 units insured
48 under condo master policies
Nearby Flood Claims253 (1980–2022)
Claims Outside the SFHA16 of 253
Most Recent ClaimSep 2022, tidal / storm surge, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 28 claims
  • Hurricane Wilma, Oct 2005 · 101 claims
  • Hurricane Georges, Sep 1998 · 38 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 993 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: AT&T, Verizon, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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