1018 James St, Key West, FL 33040 Property Records

Monroe County property record for 1018 James St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,211 sqft · built 1933
Lot Size	0.076 acres (3,304 sqft)
Owner	2 Company Names on Record
Last Sale	$550,000 (Jun 2018)
Tax Bill	$6,564 (2024)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00002630-000000`

Property Details

APN / Parcel Number

Primary APN	`00002630-000000`
Alternative APNs	`01010100002630000000` `1002721`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,211 sqft Living Area
1st Floor Area	1,211 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1995
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	3,304 sqft (0.076 acres)
Lot Dimensions	80 ft deep x 41 ft wide
Porch	Open Porch
Porch Area	215 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1002721
Street Address	1018 JAMES ST
City	KEY WEST
State	FL
Zip	33040-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW PT SUB 5 AND SUB 6 PT LOT 2 SQR 19 OR71-306/07 OR1173-2451 OR1338-216 OR2236-1657 OR2620-667/70 OR2718-1622/23 OR2913-1874/76
Legal Range	25E
Legal Township	67S
Legal Section	31
Legal Subdivision	CORRECTED DIAGRAM
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1014
Census Tract	972100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Key West Historic District listed 1971 · 189 contributing resources · NRIS 71000245

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	1018 JAMES ST, KEY WEST, FL 33040-6936
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Jun 26, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Jun 15, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Prior Sale	Mar 26, 2013 · Amount on Record
Deed Document Number	20182175287
Deed Book / Page	2913 / 1874
Last Transfer Date	Jun 5, 2025
Transfer Doc	0033330377
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1018 JAMES ST, KEY WEST, FL 33040-6936
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1018 JAMES ST, KEY WEST, FL 33040-6936

Mortgage

Document Number	0030671990
Date	Jan 7, 2021
Book Page	3067/1990
Instrument	2298256

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 26, 2018
Property Address	1018 JAMES ST, KEY WEST, FL 33040-6936
Document Number	0029131874
Book / Page	002913 / 001874
Instrument Date	Jun 22, 2018
Instrument	2175287
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1018 JAMES ST KEY WEST FL 330406936, KEY WEST, FL 33040-6936

Mortgage

Document Number	29131877
Date	Jun 26, 2018
Book Page	002913/001877
Instrument	2175288

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 15, 2018
Property Address	1018 JAMES ST, KEY WEST, FL 33040-6936
Document Number	0029112233
Book / Page	002911 / 002233
Instrument Date	Jun 14, 2018
Instrument	2173642
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$13,300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2508 SUNSET WAY ST PETE BEACH FL 337064127, ST PETE BEACH, FL 33706-4127

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		$802,937 (+5.99%)	$1,443,769 (+20.58%) Land $1,327,547 Building $116,222
2024	$6,564.00 (+1.69%)
2023	$6,455.00 (+4.48%) Homeowner's exemption	$757,582 (+3%)	$1,197,395 (+26.27%) Land $1,107,369 Building $90,026
2022	$6,178.00 Homeowner's exemption	$735,517	$948,263 Land $858,049 Building $90,214

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 211 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	323 units insured incl. 112 condo units
Nearby Flood Claims	132 (1980–2022)
Claims Outside the SFHA	3 of 132
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 32 claims Hurricane Wilma, Oct 2005 · 63 claims Hurricane Georges, Sep 1998 · 23 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 922 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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