Monroe County property record for 1028 Whitehead St, Key West, FL 33040
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,346 sqft · built 1948 |
| Lot Size | 0.05 acres (2,166 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $10,000 (Feb 2015) |
| Tax Bill | $9,473 (2024) |
| Deeds & Mortgages | Jan 2020 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 00025950-000100 |
| Primary APN | 00025950-000100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,346 sqft Living Area |
| 1st Floor Area | 396 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 2,166 sqft (0.05 acres) |
| Garage Area | 198 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 18 sqft |
| Deck Area | 330 sqft |
| Patio Area | 724 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 8798717 |
|---|---|
| Street Address | 1028 WHITEHEAD ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-7565 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | HMDR |
| Legal Description | KW PB1-25 PT LOT 32 SQR 1 TR 10 OR1194-937 OR1194-938/939P/R OR1199-1141/43E OR1489-999 OR2687-1762C/T OR2699-1392/1397 OR2725-1896/1902(AGREE) |
| Legal Subdivision | TRACTS 10 AND 15 |
| Legal Tract | 10 |
| Legal Lot Number | 32 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 972400 |
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.
1028 Whitehead St, a duplex, is owned by two individuals who bought it in February 2015.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9 EVERGREEN AVE, KEY WEST, FL 33040-6244 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 20, 2015 · Amount on File |
| Deed Sale | Feb 20, 2015 · Amount on File |
| Prior Sale | Aug 19, 2014 · Amount on File |
| Deed Document Number | 20152016663 |
| Deed Book / Page | 2725 / 1892 |
| Prior Transfer Date | Feb 6, 2015 |
| Prior Transfer Doc | 0027251892 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 1028 WHITEHEAD ST, KEY WEST, FL 33040-7565 |
| Document Number | 0030111350 |
| Instrument Date | Jan 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 1028 WHITEHEAD ST KEY WEST FL 330407565, KEY WEST, FL 33040-7565 |
| Document Number | 0030111350 |
|---|---|
| Date | Mar 3, 2020 |
| Book Page | 003011/001350 |
| Instrument | 2258257 |
| Name | FIRST ST BK/FL KEYS |
|---|---|
| Type | Bank |
| Address | 1201 SIMONTON ST, KEY WEST, FL 33040-3111 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 2, 2030 |
| Rate Type | Adjustable Rate |
|---|
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,136,321 Land $596,341 Building $539,980 | $1,136,321 Land $596,341 Building $539,980 | |
| 2024 | $9,473.00 (+5.08%) | ||
| 2023 | $9,015.00 (+14.94%) | $1,052,212 (+24.22%) Land $546,646 Building $505,566 | $1,052,212 (+24.22%) Land $546,646 Building $505,566 |
| 2022 | $7,843.00 | $847,039 Land $331,301 Building $515,738 | $847,039 Land $331,301 Building $515,738 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1028 Whitehead St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 6.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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.
The area around 1028 Whitehead 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.
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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