1022 Packer St, Key West, FL 33040 Property Records

Monroe County property record for 1022 Packer St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,006 sqft · built 2005
Lot Size	0.13 acres (5,667 sqft)
Owner	2 Individual Names on File
Last Sale	$3,422,500 (Mar 2026)
Tax Bill	$20,654 (2024)
Deeds & Mortgages	Mar 2026 Sale Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00031020-000000`

Property Details

APN / Parcel Number

Primary APN	`00031020-000000`
Alternative APNs	`01010100031020000000` `1031801`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,006 sqft Living Area
1st Floor Area	3,006 sqft
Attic	Attic
Attic Area	434 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Other
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,667 sqft (0.13 acres)
Garage Type	Carport
Garage Area	434 sqft
Carport	Carport
Carport Area	434 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	806 sqft
Patio Area	633 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1031801
Street Address	1022 PACKER ST
City	KEY WEST
State	FL
Zip	33040-3261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW G G WATSON SUB I-209 PT SQR 1 TR 13 G54-473/476 G60-488/89 OR1760-680 OR1786-1196 OR1976-1410/16 OR1983-761/63 OR1994-1273/75 OR2003-352/64 OR2357-2209/10 OR2357-2214/16 OR2367-1284/86 OR2367-1287/89 OR2689-1530/31 OR2810-1460/61
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	GEO WATSONS SUBDIVISION
Legal Tract	13
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2004
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

1022 Packer St is owned and occupied by two individuals who bought it in March 2026.

Source: Monroe County records, as of March 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1022 PACKER ST, KEY WEST, FL 33040-3261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026 · Amount on File
Deed Sale	Mar 16, 2026 · Amount on File
Prior Sale	Aug 12, 2016 · Amount on File
Deed Document Number	20262535721
Deed Book / Page	3371 / 7
Transfer Doc	1786001196
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 16, 2026
Property Address	1022 PACKER ST, KEY WEST, FL 33040-3261
Document Number	0033710007
Book / Page	3371 / 7
Instrument Date	Mar 9, 2026
Instrument	2535721
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$23,957.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21406 SHERIDAN RUN, ESTERO, FL 33928-3266

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 PACKER ST, KEY WEST, FL 33040-3261

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1022 PACKER ST, KEY WEST, FL 33040-3261
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031021806
Date	Jun 3, 2021
Book Page	3102/1806
Instrument	2323181

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.6%
Type Change Date	Jun 1, 2026
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	3.6%
Index	Other
Margin	3
Max Rate	6.6%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1022 PACKER ST, KEY WEST, FL 33040-3261
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031800462
Date	Jun 17, 2022
Book Page	3180/462
Instrument	2380536

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.6%
Type Change Date	Jul 1, 2026
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6.6%
Index	Other
Margin	3
Max Rate	6.6%

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		$2,570,352 Land $973,704 Building $1,596,648	$2,570,352 Land $973,704 Building $1,596,648
2024	$20,654.00 (+7.33%)
2023	$19,243.00 (+8.99%)	$2,386,746 (+4.45%) Land $846,961 Building $1,539,785	$2,386,746 (+4.45%) Land $846,961 Building $1,539,785
2022	$17,655.00	$2,285,153 Land $728,266 Building $1,556,887	$2,285,153 Land $728,266 Building $1,556,887

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1022 Packer St in Zone X, an area of moderate flood risk, though there have been 4 flood claims nearby since 1994.

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 File 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

The area around 1022 Packer St has no burnable land within ember reach, so its wildfire risk is not rated.

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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