1012 Whitehead St, Key West, FL 33040 Property Records

Monroe County property record for 1012 Whitehead St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 725 sqft · built 1938
Lot Size	0.034 acres (1,492 sqft)
Owner	2 Company Names on Record
Last Sale	$1,185,000 (Jan 2025)
Tax Bill	$7,315 (2024)
Deeds & Mortgages	Jul 2020 Sale Mar 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00025710-000000`

Property Details

APN / Parcel Number

Primary APN	`00025710-000000`
Alternative APNs	`01010100025710000000` `1026476`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	725 sqft Living Area
1st Floor Area	725 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2016
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,492 sqft (0.034 acres)
Lot Dimensions	50 ft deep x 30 ft wide
Porch	Open Porch
Porch Area	385 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1026476
Street Address	1012 WHITEHEAD ST
City	KEY WEST
State	FL
Zip	33040-7523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW PB1-25-40 PT LOT 16 SQR 1 TR 10 XX-119 RR-446 OR776-1468 OR807-1912 OR1077-331 OR1158-1189 OR1219-1589 OR1362-2274 OR1516-1040 OR1598-442 OR1938-2145 OR2283-14 OR2631-1640 OR2844-852 OR3029-1584 OR3307-0645
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	TRACTS 10 AND 15
Legal Tract	10
Legal Lot Number	16
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2003
Census Tract	972400

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 Company Names on Record
Mailing Address	1012 WHITEHEAD ST, KEY WEST, FL 33040-7523
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Mar 17, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage FRANKLIN SYNERGY BANK
Mar 7, 2017	Loan Modification, Mortgage · Conventional Mortgage FRANKLIN SYNERGY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2025 · Amount on Record
Deed Sale	Jan 9, 2025 · Amount on Record
Prior Sale	Jul 1, 2020 · Amount on Record
Deed Document Number	20252485937
Deed Book / Page	3307 / 645
Prior Transfer Date	Mar 7, 2017
Prior Transfer Doc	0028440852
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 1, 2020
Property Address	1012 WHITEHEAD ST, KEY WEST, FL 33040-7523
Document Number	0030291584
Book / Page	003029 / 001584
Instrument Date	Jul 1, 2020
Instrument	2271546
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4,935.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2432 FLAGLER AVE KEY WEST FL 330403844, KEY WEST, FL 33040-3844

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Mar 17, 2017
Property Address	1012 WHITEHEAD ST, KEY WEST, FL 33040-7523
Document Number	0028440852
Book / Page	2844 / 0852
Map Reference	MB1 PG40
Instrument Date	Mar 7, 2017
Instrument	2114796
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3106 DEL RIO PIKE, FRANKLIN, TN 37069-8712
Investor	Possibly a Property Investor

Mortgage

Document Number	0002114797
Date	Mar 17, 2017
Instrument	2114797

Lender

Name	FRANKLIN SYNERGY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	1012 WHITEHEAD ST, KEY WEST, FL 33040-7523
Document Number	0028440871
Instrument Date	Mar 7, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3106 DEL RIO PIKE FRANKLIN TN 370698712, FRANKLIN, TN 37069-8712

Mortgage

Document Number	0028440871
Date	Mar 17, 2017
Book Page	002844/000871
Instrument	2114799

Lender

Name	FRANKLIN SYNERGY BK
Type	Bank
Address	FRANKLIN, TN 37064

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$899,660 (-0.5%) Land $419,598 Building $480,062	$899,660 (-0.5%) Land $419,598 Building $480,062
2024	$7,315.00 (+4.72%)
2023	$6,985.00 (+18.01%)	$904,189 (+31.29%) Land $458,700 Building $445,489	$904,189 (+31.29%) Land $458,700 Building $445,489
2022	$5,919.00	$688,674 Land $278,228 Building $410,446	$688,674 Land $278,228 Building $410,446

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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	Hurricane Irma, Sep 2017 · 28 claims Hurricane Wilma, Oct 2005 · 101 claims Hurricane Georges, Sep 1998 · 38 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 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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