1013 17th St, Key West, FL 33040 Property Records

Monroe County property record for 1013 17th St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,698 sqft · built 1965
Lot Size	0.131 acres (5,700 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Mar 2021)
Tax Bill	$6,293 (2024)
Deeds & Mortgages	Jan 2017 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00057720-000000`

Property Details

APN / Parcel Number

Primary APN	`00057720-000000`
Alternative APNs	`01010100057720000000` `1058203`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,698 sqft Living Area
1st Floor Area	1,698 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2007
Exterior Material	Concrete
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,700 sqft (0.131 acres)
Lot Dimensions	100 ft deep x 57 ft wide

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	350 sqft
Deck Area	200 sqft
Patio Area	901 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1058203
Street Address	1013 17TH ST
City	KEY WEST
State	FL
Zip	33040-4234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-2
Legal Description	LOT 4 BLK 7 KW PEARLMAN HEIGHTS PB4-85 OR486-139 OR843-1069 OR1053-669 OR2141-498/99R/S OR2179-1968 OR2454-2302C/T OR2470-2142/45AMD OR2473-487/88 OR3084-0548
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	PEARLMAN HEIGHTS
Legal Block	7
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2002
Census Tract	971900

Owner

1013 17th St is owned and occupied by two individuals who bought it in March 2021.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1013 17TH ST, KEY WEST, FL 33040-4234
Occupancy	Owner Occupied
Owner Type	Individual

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 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage SHAMROCK HOME LOANS INC
Mar 25, 2021	Warranty Deed, Transfer · Balloon Mortgage MICHAEL BESSEY ETUX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2021 · Amount on File
Deed Sale	Mar 25, 2021 · Amount on File
Prior Sale	Jul 1, 2010 · Amount on File
Deed Document Number	20212310420
Deed Book / Page	3084 / 548
Prior Transfer Date	Sep 9, 2005
Prior Transfer Doc	0021791968
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1013 17TH ST, KEY WEST, FL 33040-4234
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028361511
Date	Jan 26, 2017
Book Page	2836/1511
Instrument	2108262

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1013 17TH ST, KEY WEST, FL 33040-4234
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 17TH ST, KEY WEST, FL 33040-4234

Mortgage

Document Number	0031761234
Date	May 31, 2022
Book Page	3176/1234
Instrument	2377570

Lender

Name	SHAMROCK HOME LOANS INC
Type	Mortgage Company
Address	RUMFORD, RI 02916

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 25, 2021
Property Address	1013 17TH ST, KEY WEST, FL 33040-4234
Document Number	0030840548
Book / Page	3084 / 548
Map Reference	MB 4 PG 85
Instrument Date	Mar 22, 2021
Instrument	2310420
Transaction Type	Transfer
Record Updated	Jun 24, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1773 W SCHWARTZ BLVD, 1773, LADY LAKE, FL 32159-2165

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 17TH ST, KEY WEST, FL 33040-4234

Mortgage

Document Number	0003084550
Date	Mar 25, 2021
Instrument	3084/550

Lender

Name	MICHAEL BESSEY ETUX
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

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		$769,079	$770,087 Land $474,953 Building $295,134
2024	$6,293.00 (+1.7%)
2023	$6,188.00 (+4.97%) Homeowner's exemption	$725,636 (+3.48%)	$813,385 (+15.99%) Land $523,887 Building $289,498
2022	$5,895.00 Homeowner's exemption	$701,258 Land $408,747 Building $292,511	$701,258 Land $408,747 Building $292,511

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

Flood

FEMA maps place 1013 17th St 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 220 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	363 units insured incl. 143 condo units
Nearby Flood Claims	348 (1979–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 30 claims Hurricane Wilma, Oct 2005 · 243 claims Hurricane Georges, Sep 1998 · 51 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 1013 17th St 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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Hotwire Communications, Verizon.

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