1106 Packer St, Key West, FL 33040 Property Records

Monroe County property record for 1106 Packer St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,198 sqft · built 1943
Lot Size	0.091 acres (4,000 sqft)
Owner	Individual Name on File
Last Sale	$1,225,000 (Oct 2020)
Tax Bill	$12,702 (2024)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00031420-000000`

Property Details

APN / Parcel Number

Primary APN	`00031420-000000`
Alternative APNs	`01010100031420000000` `1032212`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,198 sqft Living Area
1st Floor Area	1,198 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1943
Effective Year Built	Effective 2018
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,000 sqft (0.091 acres)
Lot Dimensions	100 ft deep x 40 ft wide

Exterior Amenities

Pool Area	188 sqft
Porch	Open Porch
Porch Area	205 sqft
Patio Area	667 sqft
Fence	Fence
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1032212
Old Parcel Number	01010100031420000000
Street Address	1106 PACKER ST
City	KEY WEST
State	FL
Zip	33040-3263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KW G G WATSON SUB I-209 PT LT 2 AND PT LT 3 SQR 4 TR 13 G12-368 OR747-164 OR747-165 OR820-2080/81 OR871-1672 OR876-1441
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KW G G WATSON SUB
Legal Tract	13
Legal Lot Number	2-3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2007
Census Tract	972800

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

1106 Packer St is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	1106 PACKER ST, KEY WEST, FL 33040-3263
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Apr 27, 2017	Warranty Deed, Transfer · ARM IBERIABANK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 28, 2020 · Amount on File
Deed Sale	Oct 28, 2020 · Amount on File
Prior Sale	Apr 27, 2017 · Amount on File
Deed Document Number	2288273
Deed Book / Page	3053 / 534
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 28, 2020
Property Address	1106 PACKER ST, KEY WEST, FL 33040-3263
Document Number	0030530534
Book / Page	3053 / 534
Map Reference	MB I PG 209
Instrument Date	Oct 23, 2020
Instrument	2288273
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1416 WHITE ST, 1416, KEY WEST, FL 33040-4872

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1106 PACKER ST, KEY WEST, FL 33040-3263

Mortgage

Document Number	0003053536
Date	Oct 28, 2020
Instrument	3053/536

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 27, 2017
Property Address	1106 PACKER ST, KEY WEST, FL 33040-3263
Document Number	0028511245
Book / Page	2851 / 1245
Map Reference	MB I PG209
Instrument Date	Apr 26, 2017
Instrument	2120758
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1060 WOODCOCK RD STE 128, 1060, ORLANDO, FL 32803-3607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13668 TREASURE TRAIL DR, SAN ANTONIO, TX 78232-3500

Mortgage

Document Number	0002120759
Date	Apr 27, 2017
Instrument	2120759

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$1,535,790 Land $832,480 Building $703,310	$1,535,790 Land $832,480 Building $703,310
2024	$12,702.00 (+14.85%)
2023	$11,060.00 (+10.93%)	$1,388,126 (+9.99%) Land $724,120 Building $664,006	$1,388,126 (+9.99%) Land $724,120 Building $664,006
2022	$9,970.00	$1,262,088 Land $622,640 Building $639,448	$1,262,088 Land $622,640 Building $639,448

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

Flood

FEMA maps place 1106 Packer St in Zone X, an area of moderate flood risk, though there have been 4 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 191 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	198 units insured incl. 7 condo units
Nearby Flood Claims	4 (1994–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 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 1106 Packer 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 917 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
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, T-Mobile.

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