1021 Watson St, Key West, FL 33040 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,364 sqft · built 1940
Lot Size	0.163 acres (7,128 sqft)
Owner	Individual Name on Record
Last Sale	$1,495,000 (Jan 2024)
Tax Bill	$9,333 (2024)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00033430-000000`

Property Details

APN / Parcel Number

Primary APN	`00033430-000000`
Alternative APNs	`01010100033430000000` `1034223`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,364 sqft Living Area
1st Floor Area	1,364 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2011
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,128 sqft (0.163 acres)
Lot Dimensions	115 ft deep x 61 ft wide
Garage Type	Detached
Garage Area	200 sqft

Exterior Amenities

Pool Area	348 sqft
Porch	Open Porch
Porch Area	144 sqft
Deck Area	228 sqft
Patio Area	1,606 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1034223
Old Parcel Number	01010100033430000000
Street Address	1021 WATSON ST
City	KEY WEST
State	FL
Zip	33040-3382
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KW GWYNN SUB PT OF TR 13 G12-556 G48-482 OR69-233 OR207-375 OR633-605 OR755-987 OR755-1342 OR758-1036 OR759-355 CO JUDGES
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KW GWYNN SUB
Legal Tract	13
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 5, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1021 WATSON ST, KEY WEST, FL 33040-3382
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Warranty Deed, Transfer UNITED WHOLESALE MORTGAGE
Aug 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Apr 23, 2021	Warranty Deed, Transfer · Conventional Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2024 · Amount on Record
Deed Sale	Jan 3, 2024 · Amount on Record
Prior Sale	Apr 23, 2021 · Amount on Record
Deed Document Number	2446704
Deed Book / Page	3257 / 681
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 3, 2024
Property Address	1021 WATSON ST, KEY WEST, FL 33040-3382
Document Number	0032570681
Book / Page	3257 / 681
Instrument Date	Jan 3, 2024
Instrument	2446704
Transaction Type	Transfer
Record Updated	Feb 1, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$10,465.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4536 WINDSOR LN, BETHESDA, MD 20814-4725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 WATSON ST, KEY WEST, FL 33040-3382

Mortgage

Document Number	0002446706
Date	Jan 3, 2024
Instrument	2446706

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Mortgage

Document Number	0032570684
Date	Jan 3, 2024
Book Page	3257/684
Instrument	2446706

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1021 WATSON ST, KEY WEST, FL 33040-3382
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029780766
Date	Aug 5, 2019
Book Page	2978/0766
Instrument	2231247

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 23, 2021
Property Address	1021 WATSON ST, KEY WEST, FL 33040-3382
Document Number	0030912004
Book / Page	3091 / 2004
Instrument Date	Apr 16, 2021
Instrument	2315686
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,216.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5008 BRILL PT, 5008, TALLAHASSEE, FL 32312-5600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4536 WINDSOR LN, BETHESDA, MD 20814-4725

Mortgage

Document Number	30912006
Date	Apr 23, 2021
Instrument	3091/2006

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$1,215,331 (+24.16%) Land $985,501 Building $229,830	$1,215,331 (+24.16%) Land $985,501 Building $229,830
2024	$9,333.00 (+8.88%)
2023	$8,572.00 (+11.59%)	$978,830 (+11.64%) Land $761,976 Building $216,854	$978,830 (+11.64%) Land $761,976 Building $216,854
2022	$7,682.00	$876,737 Land $655,191 Building $221,546	$876,737 Land $655,191 Building $221,546

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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