Monroe County property record for 109 Front St, Key West, FL 33040
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,580 sqft · built 1991 |
| Lot Size | 2.69 acres (117,556 sqft) |
| Owner | Owner Name on File |
| Last Sale | $1,029,000 (Aug 2003) |
| Tax Bill | $9,438 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00004590-001412 |
| Primary APN | 00004590-001412 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,580 sqft Living Area |
| Year Built | Built 1991 |
|---|---|
| Lot Area | 117,556 sqft |
| Account Number | 8771002 |
|---|---|
| Old Parcel Number | 01010100004590001412 |
| Street Address | 109 FRONT ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-8350 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 109 HARBOUR PLACE, A CONDOMINIUM OR1250-2414/15 OR1923-2051/52 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | HARBOUR PLACE CONDO |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 972500 |
The current owner of 109 Front St bought it in August 2003.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 109 FRONT ST APT 109, 109, KEY WEST, FL 33040-8342 |
| Occupancy | Owner Occupied |
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 | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2003 · Amount on File |
| Deed Sale | Aug 25, 2003 · Amount on File |
| Deed Document Number | 1391851 |
| Deed Book / Page | 1923 / 2051 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 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 | $1,162,087 Building $1,162,087 | $1,775,163 Building $1,775,163 | |
| 2024 | $9,438.00 (+1.6%) | ||
| 2023 | $9,289.00 (+4.45%) Homeowner's exemption | $1,096,444 (+3%) Building $1,096,444 | $1,495,999 (+4.52%) Building $1,495,999 |
| 2022 | $8,893.00 Homeowner's exemption | $1,064,509 Building $1,064,509 | $1,431,238 Building $1,431,238 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Front 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 | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 307 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 746 units insured incl. 439 condo units |
| Nearby Flood Claims | 53 (2005–2017) |
| Claims Outside the SFHA | 5 of 53 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 109 Front 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 334 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Hotwire Communications, T-Mobile, Verizon.
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