1021 Watson Ln, Key West, FL 33040 Property Records

Monroe County property record for 1021 Watson Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 744 sqft · built 1938
Lot Size	0.062 acres (2,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$679,000 (Apr 2021)
Tax Bill	$5,811 (2024)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jul 2021 Transfer
Flood Zone	Zone X (moderate risk)
APN	`00033420-000000`

Property Details

APN / Parcel Number

Primary APN	`00033420-000000`
Alternative APNs	`01010100033420000000` `1034207`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	744 sqft Living Area
1st Floor Area	744 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2007
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,720 sqft (0.062 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	255 sqft
Deck Area	Deck Area
Patio Area	505 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1034207
Street Address	1021 WATSON LN
City	KEY WEST
State	FL
Zip	33040-3323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW GWYNN SUB PT OF TR 13 G45-232 G48-531 OR554-330 OR554-333 OR739-478 OR757-1715 OR803-936 OR1122-133 OR1122-219 OR1300-101 OR1407-1896 OR1591-965 OR2809-1376 OR3086-284 OR3112-1404 OR3301-1273
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KW GWYNN SUB
Legal Tract	13
Legal Lot Number	T13
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2001
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1021 WATSON LN, KEY WEST, FL 33040-3323
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Warranty Deed, Transfer · Conventional Mortgage AXIA FINANCIAL LLC
Jul 15, 2021	Correction Deed ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	Aug 3, 2016 · Amount on Record
Deed Document Number	20212311667
Deed Book / Page	3086 / 284
Last Transfer Date	Nov 13, 2024
Transfer Doc	0002481728
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 1, 2021
Property Address	1021 WATSON LN, KEY WEST, FL 33040-3323
Document Number	0030860284
Book / Page	3086 / 284
Map Reference	MB 1 PG 34
Instrument Date	Apr 1, 2021
Instrument	2311667
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,753.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5706 NE 16TH AVE, 5706, FORT LAUDERDALE, FL 33334-5987

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1021 WATSON LN, KEY WEST, FL 33040-3323

Mortgage

Document Number	0003086286
Date	Apr 1, 2021
Instrument	3086/286

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Jul 15, 2021
Property Address	1021 WATSON LN, KEY WEST, FL 33040-3323
Document Number	0031121404
Book / Page	3112 / 1404
Instrument Date	Apr 1, 2021
Instrument	2330143
Record Updated	Aug 4, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5706 NE 16TH AVE, 5706, FORT LAUDERDALE, FL 33334-5987

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1021 WATSON LN, KEY WEST, FL 33040-3323

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		$708,913 (+1.97%)	$811,865 (+12.51%) Land $636,725 Building $175,140
2024	$5,811.00 (-1.74%)
2023	$5,914.00 (+8.18%) Homeowner's exemption	$695,242 (+7.06%)	$721,618 (+11.12%) Land $553,493 Building $168,125
2022	$5,467.00 Homeowner's exemption	$649,386 Land $477,197 Building $172,189	$649,386 Land $477,197 Building $172,189

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 917 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
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, T-Mobile.

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