Monroe County property record for 1012 Howe St, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,225 sqft · built 1963 |
| Lot Size | 0.091 acres (3,979 sqft) |
| Owner | Company Name on Record |
| Last Sale | $975,000 (Mar 2026) |
| Tax Bill | $1,580 (2024) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00026830-000000 |
| Primary APN | 00026830-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,225 sqft Living Area |
| 1st Floor Area | 1,225 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 3,979 sqft (0.091 acres) |
| Garage Type | Covered |
| Garage Area | 240 sqft |
| Porch | Open Porch |
| Porch Area | 84 sqft |
| Patio Area | 705 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1027626 |
|---|---|
| Street Address | 1012 HOWE ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-7510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HMDR |
| Legal Description | KW PB1-25-40 LT 6 SQR 7 TR 10 OR163-494/95 OR1597-302 OR2530-226 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | TRACTS 10 AND 15 |
| Legal Tract | 10 |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 972400 |
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.
Source: Monroe County records, as of March 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 443 LIBERTY ST, CULVER, IN 46511-1145 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 2026 · Amount on Record |
| Deed Sale | Mar 2, 2026 · Amount on Record |
| Deed Document Number | 20262534060 |
| Deed Book / Page | 3368 / 1743 |
| Prior Transfer Date | Aug 19, 2011 |
| Prior Transfer Doc | 0033101554 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 2, 2026 |
| Property Address | 1012 HOWE ST, KEY WEST, FL 33040-7510 |
| Document Number | 0033681743 |
| Book / Page | 3368 / 1743 |
| Instrument Date | Feb 25, 2026 |
| Instrument | 2534060 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8 HEATHERGREEN, IRVINE, CA 92614-5461 |
| Name | Verified Name |
|---|---|
| Address | 443 LIBERTY ST, CULVER, IN 46511-1145 |
| Document Number | 0033681748 |
|---|---|
| Date | Mar 2, 2026 |
| Instrument | 3368/1748 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Mar 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.8% |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,086,629 (+521.46%) Land $877,011 Building $209,618 | $1,086,629 (-5.78%) Land $877,011 Building $209,618 | |
| 2024 | $1,580.00 (+2.53%) | ||
| 2023 | $1,541.00 (+2.39%) Senior Citizen's exemption | $174,851 (+3%) | $1,153,247 (+50.55%) Land $958,740 Building $194,507 |
| 2022 | $1,505.00 Senior Citizen's exemption | $169,759 | $766,023 Land $581,531 Building $184,492 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 6.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 180 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 228 units insured incl. 48 condo units |
| Nearby Flood Claims | 253 (1980–2022) |
| Claims Outside the SFHA | 16 of 253 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
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.
Source: FCC Broadband Data Collection, based on 993 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications, Verizon.
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