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1023 Whitehead St, Key West, FL 33040 Property Records

Monroe County property record for 1023 Whitehead St, Key West, FL 33040

Property Summary

Property TypeMulti-Family Dwellings
Details12 bd · 6 ba · 2,640 sqft · built 1988
Lot Size0.081 acres (3,564 sqft)
OwnerOwner Name on File
Last Sale$950,000 (Dec 2014)
Tax Bill$13,883 (2024)
Deeds & MortgagesAug 2017 Mortgage
Dec 2021 Construction Loan
Flood ZoneZone X (moderate risk)
APN00027450-000000

Property Details

APN / Parcel Number

Primary APN00027450-000000
Alternative APNs
  • 01010100027450000000
  • 1028223

Interior

Bedrooms12 Beds
Full Baths6 Baths
Half Baths2 Half Baths
Units4 Units
Stories2 Stories
Building Area2,640 sqft Total Area
1st Floor Area2,640 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 2012
Exterior MaterialWood
Foundation TypeBlock
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area3,564 sqft (0.081 acres)
Lot Dimensions81 ft deep x 44 ft wide
PorchOpen Porch
Porch Area491 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Account Number1028223
Old Parcel Number01010100027450000000
Street Address1023 WHITEHEAD ST
CityKEY WEST
StateFL
Zip33040-7592
Property CategoryResidential
Property TypeResidential > Multi-Unit > Multi-Family Dwellings
Legal DescriptionKW PT SUBS 7-8 PT LOT 4 SQR 3 TR 11 G13-42 OR1027-74/75 OR1053-828 OR2055-13 OR2717-1019/20
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionKW PT SUB
Legal Tract11
Legal Lot Number4
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2001
Census Tract972400

Historic Designation

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

Historic DistrictWithin 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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordOwner Name on File
Mailing Address3636 DUCK AVE, KEY WEST, FL 33040-4412

Deeds, Mortgages & Sale History

DateDocument
Aug 16, 2017Deed of Trust, Mortgage · Commercial Mortgage
CENTENNIAL BANK
Dec 15, 2021Deed of Trust, Mortgage · Construction Mortgage
CITADEL SERVICING CORPORATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 19, 2014 · Amount on File
Deed SaleDec 19, 2014 · Amount on File
Prior SaleNov 2, 2004 · Amount on File
Deed Document Number2009698
Deed Book / Page2717 / 1019
Record UpdatedJun 8, 2026

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1023 WHITEHEAD ST, KEY WEST, FL 33040-7592
Transaction TypeMortgage
Record UpdatedJul 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0028691132
DateAug 16, 2017
Book Page2869/1132
Instrument2135399
Lender
NameCENTENNIAL BANK
TypeBank
AddressKEY WEST, FL 33040
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term119 Months
DueJul 3, 2027

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1023 WHITEHEAD ST, KEY WEST, FL 33040-7592
Transaction TypeMortgage
Record UpdatedJul 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3636 DUCK AVE, KEY WEST, FL 33040-4412

Mortgage

Document Number0031431008
DateDec 15, 2021
Book Page3143/1008
Instrument2353019
Lender
NameCITADEL SERVICING CORPORATION
TypeNon-Lending Institution
AddressLAKE FOREST, CA 92630
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2052

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,615,108 (+5.5%) Land $871,377 Building $743,731$1,615,108 (+5.5%) Land $871,377 Building $743,731
2024$13,883.00 (+5.99%)
2023$13,099.00 (+11.23%)$1,530,891 (+13.17%) Land $800,898 Building $729,993$1,530,891 (+13.17%) Land $800,898 Building $729,993
2022$11,777.00$1,352,740 Land $606,546 Building $746,194$1,352,740 Land $606,546 Building $746,194

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 180 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies228 units insured
incl. 48 condo units
Nearby Flood Claims253 (1980–2022)
Claims Outside the SFHA16 of 253
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 28 claims
  • Hurricane Wilma, Oct 2005 · 101 claims
  • Hurricane Georges, Sep 1998 · 38 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 RiskNot 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 993 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

May also be available: Hotwire Communications, Verizon.

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