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110 Simonton St, #124, Key West, FL 33040 Property Records

Monroe County property record for 110 Simonton St, #124, Key West, FL 33040

Property Summary

Property TypeMixed Use Commercial/Industrial
Details10 ba · 23,968 sqft · built 1968
Lot Size1.34 acres (58,499 sqft)
OwnerOwner Name on File
Last Sale$4,900,000 (May 2001)
Tax Bill$96,562 (2023)
Deeds & MortgagesFeb 2017 Mortgage
Sep 2018 Loan Modification
Flood ZoneZone AE (high risk)
APN00000290-000000

Property Details

APN / Parcel Number

Primary APN00000290-000000
Alternative APNs
  • 01010100000290000000
  • 1000281

Interior

Full Baths10 Baths
Units4 Units
Stories4 Stories
Building Area23,968 sqft Total Area
1st Floor Area42,485 sqft

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 1998
Exterior MaterialOther
Fire ResistanceMasonry Walls, Wood Interior
Lot Area58,499 sqft (1.34 acres)
Lot Dimensions93 ft deep x 386 ft wide
Garage TypeCarport
CarportCarport

Exterior Amenities

Pool TypePublic / Commercial Pool
PorchOpen Porch
Porch Area1,299 sqft
Deck Area5,148 sqft
Patio Area9,422 sqft
FenceFence
Total Buildings3 Buildings

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Account Number1000281
Old Parcel Number01010100000290000000
Street Address110 SIMONTON ST # 124, 124
CityKEY WEST
StateFL
Zip33040-6627
Property CategoryCommercial
Property TypeCommercial > Retail > Mixed Use Commercial/Industrial
Legal DescriptionKW ALL LOT 1 & PT LOTS 2, 3 & 4 SQR 6 G24-399 BOOK OF WILLS XX-151 XX-154 XX-229 XX-235 D-90/91 G36-394/95 G67-414
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionKEY WEST SQUARE 06
Legal Lot Number1-4 3
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2039
Census Tract972500

Historic Designation

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

Historic DistrictWithin the Key West Historic District
listed 1971 · 189 contributing resources · NRIS 71000245

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

The current owner of 110 Simonton St, #124 bought it in May 2001.

Source: Monroe County records, as of December 5, 2025

Owner of RecordOwner Name on File
Mailing Address201 FRONT ST STE 224, 224, KEY WEST, FL 33040-8348

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

DateDocument
Feb 16, 2017Deed of Trust, Mortgage · Commercial Mortgage
CAPITAL BANK CORPORATION
Sep 5, 2018Loan Modification, Mortgage · Line of Credit
EAGLE BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 9, 2001 · Amount on File
Deed SaleMay 9, 2001 · Amount on File
Deed Document Number0169401955
Deed Book / Page01694 / 01955
Record UpdatedJun 8, 2026

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address110 SIMONTON ST # 124, 124, KEY WEST, FL 33040-6627
Transaction TypeMortgage
Record UpdatedOct 25, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0028391926
DateFeb 16, 2017
Book Page2839/1926
Instrument2110829
Lender
NameCAPITAL BANK CORPORATION
TypeBank
AddressKEY WEST, FL 33041
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Recording DateSep 5, 2018
Property Address110 SIMONTON ST # 124, 124, KEY WEST, FL 33040-6627
Document Number0029250980
Book / Page002925 / 000980
Instrument DateAug 31, 2018
Instrument2185311
Transaction TypeMortgage
Record UpdatedNov 22, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address201 FRONT ST #224 KEY WEST FL 330408348, 224, KEY WEST, FL 33040-8348

Mortgage

Document Number29250980
DateSep 5, 2018
Book Page002925/000980
Instrument2185311
Lender
NameEAGLE BK
TypeBank
Address2001 K ST NW # 150, WASHINGTON, DC 20006-1046
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

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$11,626,529 Land $7,448,081 Building $4,178,448$11,626,529 Land $7,448,081 Building $4,178,448
2023$96,562.00 (+11.45%)$11,019,359 (+11.38%) Land $6,827,407 Building $4,191,952$11,019,359 (+11.38%) Land $6,827,407 Building $4,191,952
2022$86,640.00$9,893,913 Land $6,206,734 Building $3,687,179$9,893,913 Land $6,206,734 Building $3,687,179

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

Flood

FEMA maps place 110 Simonton St, #124 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 307 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies746 units insured
incl. 439 condo units
Nearby Flood Claims53 (2005–2017)
Claims Outside the SFHA5 of 53
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 50 claims
  • Hurricane Wilma, Oct 2005 · 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 110 Simonton St, #124 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 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 334 locations within half a mile, as of December 31, 2025

ProviderMax 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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