1024 Thomas St, Key West, FL 33040 Property Records

Monroe County property record for 1024 Thomas St, Key West, FL 33040

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	1,604 sqft · built 1969
Lot Size	0.08 acres (3,463 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Feb 2023)
Tax Bill	$7,952 (2024)
Deeds & Mortgages	Feb 2023 Sale Jul 2020 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`00026750-000000`

Property Details

APN / Parcel Number

Primary APN	`00026750-000000`
Alternative APNs	`01010100026750000000` `1027545`

Interior

Units	2 Units
Stories	2 Stories
Building Area	1,700 sqft Gross Area
1st Floor Area	1,604 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable/Hip
Lot Area	3,463 sqft (0.08 acres)
Lot Dimensions	88 ft deep x 40 ft wide
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	160 sqft
Deck Area	45 sqft
Patio Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit

Location & Zoning

Account Number	1027545
Street Address	1024 THOMAS ST
City	KEY WEST
State	FL
Zip	33040-7568
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	HMDR
Legal Description	KW PB1-25-40 PT LOTS 7 & 8 SQR 6 TR 10 XX-59 OR237-562/63 OR505-661/62 OR1372-592 OR2071-350/52 OR3211-0733
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	TRACTS 10 AND 15
Legal Tract	10
Legal Lot Number	7,8
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2007
Census Tract	972400

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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1024 THOMAS ST, KEY WEST, FL 33040-7568
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Jul 27, 2020	Deed of Trust, Construction Loan · Line of Credit FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2023 · Amount on Record
Deed Sale	Feb 7, 2023 · Amount on Record
Prior Sale	Dec 28, 2004 · Amount on Record
Deed Document Number	20232405995
Deed Book / Page	3211 / 733
Prior Transfer Date	Jan 19, 2023
Prior Transfer Doc	0032110733
Record Updated	Oct 29, 2026

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Feb 7, 2023
Property Address	1024 THOMAS ST, KEY WEST, FL 33040-7568
Document Number	0032110733
Book / Page	3211 / 733
Instrument Date	Jan 19, 2023
Instrument	2405995
Transaction Type	Transfer
Record Updated	Mar 1, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39 BAY DR, KEY WEST, FL 33040-6114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 THOMAS ST, KEY WEST, FL 33040-7568

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Jul 27, 2020
Property Address	1024 THOMAS ST, KEY WEST, FL 33040-7568
Document Number	0030332279
Book / Page	003033 / 002279
Instrument Date	Jul 21, 2020
Instrument	2274604
Transaction Type	Construction Loan
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024-1026 THOMAS ST KEY WEST FL 330407568, KEY WEST, FL 33040-7568

Mortgage

Document Number	30332279
Date	Jul 27, 2020
Book Page	003033/002279
Instrument	2274604

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	KEY WEST, FL 33041-1526

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 26, 2021

Interest

Rate Type	Adjustable Rate

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		$1,094,836 (+7.68%)	$1,146,969 (+12.81%) Land $907,649 Building $239,320
2024	$7,952.00 (-16.04%)
2023	$9,471.00 (-3.39%)	$1,016,733 (%) Land $832,011 Building $184,722	$1,016,733 (%) Land $832,011 Building $184,722
2022	$9,803.00	$1,016,769 Land $832,011 Building $184,758	$1,016,769 Land $832,011 Building $184,758

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 180 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	228 units insured incl. 48 condo units
Nearby Flood Claims	253 (1980–2022)
Claims Outside the SFHA	16 of 253
Most Recent Claim	Sep 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 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 993 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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