Monroe County property record for 1104 20th St, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,458 sqft · built 1960 |
| Lot Size | 0.13 acres (5,640 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,000 (Oct 1993) |
| Tax Bill | $2,746 (2025) |
| Deeds & Mortgages | Aug 2026 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 00055670-000000 |
| Primary APN | 00055670-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,458 sqft Living Area |
| 1st Floor Area | 2,458 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,640 sqft (0.13 acres) |
| Garage Type | Covered |
| Garage Area | 400 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 355 sqft |
| Deck Area | 300 sqft |
| Patio Area | 755 sqft |
| Cooling System | Wall Unit |
|---|
| Account Number | 1056227 |
|---|---|
| Street Address | 1104 20TH ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-4502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF-2 |
| Legal Description | LT 2 KW REPLAT OF LOTS 1-8 PB4-123 PEARLMAN ESTATES FIRST ADDITION EXTENSION PB4-71 OR273-403/04 |
| Legal Range | 25E |
| Legal Township | 67S |
| Legal Section | 34 |
| Legal Subdivision | PEARLMAN ESTATES FIRST ADDN EXTENSION |
| Legal Lot Number | 2,1-8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 971900 |
1104 20th St is owned and occupied by two individuals who acquired it in May 2026.
Source: Monroe County records, as of August 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1104 20TH ST, KEY WEST, FL 33040-4502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 | Oct 7, 1993 · Amount on File |
| Deed Sale | Oct 7, 1993 · Amount on File |
| Deed Book / Page | 1276 / 109 |
| Last Transfer Date | May 15, 2026 |
| Transfer Doc | 0002556056 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 11, 2026 |
| Property Address | 1104 20TH ST, KEY WEST, FL 33040-4502 |
| Document Number | 0002556056 |
| Book / Page | 3397 / 488 |
| Instrument Date | May 15, 2026 |
| Instrument | 20262556056 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1104 20TH ST, KEY WEST, FL 33040-4502 |
The 2025 property tax bill for 1104 20th St was $2,746 with a homeowner's exemption, up 5.9% from the year before.
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 | $2,746.00 (+5.86%) Homeowner's exemption | $306,814 | $795,429 Land $469,953 Building $325,476 |
| 2024 | $2,594.00 (+2.09%) | ||
| 2023 | $2,541.00 (+4.7%) Homeowner's exemption | $289,484 (+3%) | $827,473 (+15.89%) Land $518,372 Building $309,101 |
| 2022 | $2,427.00 Homeowner's exemption | $281,053 | $714,030 Land $404,444 Building $309,586 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1104 20th 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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 532 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 721 units insured incl. 189 condo units |
| Nearby Flood Claims | 473 (1980–2026) |
| Claims Outside the SFHA | 3 of 473 |
| Most Recent Claim | Jun 2026 · other causes |
| 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 1104 20th 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 305 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Hotwire Communications, Verizon.
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