1013 Howe St, Key West, FL 33040 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 476 sqft · built 1903
Lot Size	0.03 acres (1,313 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Dec 2015)
Tax Bill	$4,796 (2024)
Deeds & Mortgages	Apr 2017 Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00026680-000101`

Property Details

APN / Parcel Number

Primary APN	`00026680-000101`
Alternative APN	`9013170`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	476 sqft Living Area
1st Floor Area	476 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1903
Effective Year Built	Effective 2010
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,313 sqft (0.03 acres)
Lot Dimensions	60 ft deep x 21 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	126 sqft
Deck Area	Deck Area
Patio Area	285 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9013170
Street Address	1013 HOWE ST
City	KEY WEST
State	FL
Zip	33040-7509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW 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 OR1809-502 OR2038-967/68 OR2331-2197/99 OR2375-487/88R/S OR2494-2050/52 OR2773-523/24 OR2847-57/59
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	TRACTS 10 AND 15
Legal Tract	10
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2004
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 Individual Names on Record
Mailing Address	1013 HOWE ST, KEY WEST, FL 33040-7509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 21, 2017	Deed of Trust, Mortgage · FHA Mortgage REVERSE MORTGAGES.COM
Apr 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2015 · Amount on Record
Deed Sale	Dec 10, 2015 · Amount on Record
Prior Sale	Nov 16, 2007 · Amount on Record
Deed Document Number	20152056220
Deed Book / Page	2773 / 523
Prior Transfer Date	Nov 23, 2010
Prior Transfer Doc	0024942050
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1013 HOWE ST, KEY WEST, FL 33040-7509
Document Number	0028531080
Instrument Date	Apr 21, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1013 HOWE ST KEY WEST FL 330407509, KEY WEST, FL 33040-7509

Mortgage

Document Number	0028531080
Date	May 9, 2017
Book Page	002853/001080
Instrument	2122269

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1020 Months

Interest

Rate Type	Adjustable Rate
Rate	4.39%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1013 HOWE ST, KEY WEST, FL 33040-7509
Document Number	0028531062
Instrument Date	Apr 21, 2017
Transaction Type	Mortgage
Record Updated	Jun 14, 2017
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1013 HOWE ST KEY WEST FL 330407509, KEY WEST, FL 33040-7509

Mortgage

Document Number	0028531062
Date	May 9, 2017
Book Page	002853/001062
Instrument	2122268

Lender

Name	REVERSE MORTGAGES.COM
Address	COLUMBIA, MO 65203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1020 Months

Interest

Rate Type	Adjustable Rate
Rate	4.39%

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Apr 3, 2017
Property Address	1013 HOWE ST, KEY WEST, FL 33040-7509
Document Number	0028470057
Book / Page	002847 / 000057
Instrument Date	Apr 3, 2017
Instrument	2117008
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1013 HOWE ST KEY WEST FL 330407509, KEY WEST, FL 33040-7509

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		$607,959 (-2.64%) Land $424,875 Building $183,084	$607,959 (-2.64%) Land $424,875 Building $183,084
2024	$4,796.00 (+3.99%)
2023	$4,612.00 (+22.56%)	$624,451 (+46.74%) Land $464,469 Building $159,982	$624,451 (+46.74%) Land $464,469 Building $159,982
2022	$3,763.00	$425,541 Land $281,727 Building $143,814	$425,541 Land $281,727 Building $143,814

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 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	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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