1014 White St, Key West, FL 33040 Property Records

Monroe County property record for 1014 White St, Key West, FL 33040

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	6 ba · 6,786 sqft · built 1974
Lot Size	0.175 acres (7,626 sqft)
Owner	Company Name on Record
Last Sale	$475,000 (Jun 1997)
Tax Bill	$16,764 (2024)
Deeds & Mortgages	Dec 2019 Line of Credit Jul 2018 Loan Modification + 3 more
Flood Zone	Zone X (moderate risk)
APN	`00032430-000000`

Property Details

APN / Parcel Number

Primary APN	`00032430-000000`
Alternative APNs	`01010100032430000000` `1033189`

Interior

Full Baths	6 Baths
Units	7 Units
Stories	3 Stories
Building Area	6,786 sqft Gross Area
1st Floor Area	6,786 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1988
Exterior Material	Concrete Block
Construction Type	Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Material	Asphalt
Lot Area	7,626 sqft (0.175 acres)
Porch	Open Porch
Porch Area	528 sqft

Location & Zoning

Account Number	1033189
Street Address	1014 WHITE ST
City	KEY WEST
State	FL
Zip	33040-3688
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	HNC-1
Legal Description	KW GWYNN SUB 0-195 LOT 6 & PT LOT 7 SQR 1 TR 13 OR320-566 OR507-373 OR1420-637 OR1463-496 OR1754-112 OR1758-867 OR1950-383
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KW GWYNN SUB
Legal Tract	13
Legal Lot Number	6,7
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2000
Census Tract	972800

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	Company Name on Record
Mailing Address	1014 WHITE ST, 7, KEY WEST, FL 33040-3387
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Jul 10, 2018	Loan Modification, Mortgage FIRST ST BK/FL KEYS
Dec 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Aug 28, 2017	Loan Modification, Mortgage FIRST ST BK/FL KEYS
Aug 28, 2017	Loan Modification, Mortgage FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 1997 · Amount on Record
Deed Sale	Jun 23, 1997 · Amount on Record
Deed Book / Page	1463 / 496
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1014 WHITE ST, KEY WEST, FL 33040-3688
Document Number	0029981090
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1014 WHITE ST #7 KEY WEST FL 330403387, 7, KEY WEST, FL 33040-3387

Mortgage

Document Number	0029981090
Date	Dec 11, 2019
Book Page	002998/001090
Instrument	2247762

Lender

Name	BRANCH BK&TR
Type	Bank
Address	1010 KENNEDY DR # 100, KEY WEST, FL 33040-4133

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	1014 WHITE ST, KEY WEST, FL 33040-3688
Document Number	0029172247
Instrument Date	Jul 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1014 WHITE ST KEY WEST FL 330403387, KEY WEST, FL 33040-3387

Mortgage

Document Number	0029172247
Date	Jul 20, 2018
Book Page	002917/002247
Instrument	2178822

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	KEY WEST, FL 33041-1526

Agreement

Term	36 Months
Due	Jul 19, 2021

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1014 WHITE ST, KEY WEST, FL 33040-3688
Document Number	0028901755
Book / Page	002890 / 001755
Instrument Date	Dec 27, 2017
Transaction Type	Mortgage
Record Updated	Feb 20, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1014 WHITE ST #7 KEY WEST FL 330403387, 7, KEY WEST, FL 33040-3387

Mortgage

Document Number	0028901755
Date	Feb 6, 2018
Book Page	002890/001755
Instrument	2154233

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 5, 2033

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	1014 WHITE ST, KEY WEST, FL 33040-3688
Document Number	0028721057
Instrument Date	Aug 28, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0028721057
Date	Sep 26, 2017
Book Page	002872/001057
Instrument	2137864

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	1201 SIMONTON ST, KEY WEST, FL 33040-3111

Agreement

Amount	Amount Recorded

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	1014 WHITE ST, KEY WEST, FL 33040-3688
Document Number	0028721068
Instrument Date	Aug 28, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1014 WHITE ST #7 KEY WEST FL 330403387, 7, KEY WEST, FL 33040-3387

Mortgage

Document Number	0028721068
Date	Sep 26, 2017
Book Page	002872/001068
Instrument	2137866

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	1201 SIMONTON ST, KEY WEST, FL 33040-3111

Agreement

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		$1,951,368 (+5.44%) Land $1,250,664 Building $700,704	$1,951,368 (+5.44%) Land $1,250,664 Building $700,704
2024	$16,764.00 (+4.27%)
2023	$16,078.00 (+18.65%)	$1,850,658 (+40.51%) Land $1,342,176 Building $508,482	$1,850,658 (+40.51%) Land $1,342,176 Building $508,482
2022	$13,551.00	$1,317,140 Land $762,600 Building $554,540	$1,317,140 Land $762,600 Building $554,540

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 191 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	198 units insured incl. 7 condo units
Nearby Flood Claims	4 (1994–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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 662 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
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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