1107 Olivia St, Key West, FL 33040 Property Records

Monroe County property record for 1107 Olivia St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 650 sqft · built 1928
Lot Size	0.044 acres (1,925 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (May 2026)
Tax Bill	$5,615 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00022350-000000`

Property Details

APN / Parcel Number

Primary APN	`00022350-000000`
Alternative APNs	`01010100022350000000` `1023132`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	650 sqft Living Area
1st Floor Area	650 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2012
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,925 sqft (0.044 acres)
Lot Dimensions	55 ft deep x 35 ft wide

Exterior Amenities

Pool Area	63 sqft
Porch	Open Porch
Porch Area	350 sqft
Patio Area	567 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1023132
Street Address	1107 OLIVIA ST
City	KEY WEST
State	FL
Zip	33040-3364
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HHDR
Legal Description	KW PT LOT 3 SQR 4 TR 6 H2-174 OR762-1318 OR818-1383 OR865-1245/46 OR919-2285/87 OR939-1768/69 OR956-939 OR956-940 OR1229-230 OR2214-1012/13 OR2618-893/94 OR2624-1328/29 OR2746-524/25
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KEY WEST SQUARE 04 TR 06
Legal Tract	6
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3014
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

Source: Monroe County records, as of May 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	190 NEARWATER LN, DARIEN, CT 06820-5717
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
May 11, 2026	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Sep 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2026 · Amount on Record
Deed Sale	May 11, 2026 · Amount on Record
Prior Sale	Jun 17, 2015 · Amount on Record
Deed Document Number	20262543008
Deed Book / Page	3380 / 993
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 11, 2026
Property Address	1107 OLIVIA ST, KEY WEST, FL 33040-3364
Document Number	0033800993
Book / Page	3380 / 993
Instrument Date	May 6, 2026
Instrument	20262543008
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$919,100.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 NEARWATER LN, DARIEN, CT 06820-5717
Investor	Possibly a Property Investor

Mortgage

Document Number	0002543009,
Date	May 11, 2026
Instrument	20262543009

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 11, 2026
Property Address	1107 OLIVIA ST, KEY WEST, FL 33040-3364
Document Number	0002543008
Book / Page	3380 / 993
Instrument Date	May 6, 2026
Instrument	2026.2543008
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$919,100.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 NEARWATER LN, DARIEN, CT 06820-5717
Investor	Possibly a Property Investor

Mortgage

Document Number	0002543009,
Date	May 11, 2026
Instrument	2026..2543009

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1107 OLIVIA ST, KEY WEST, FL 33040-3364
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1107 OLIVIA ST, KEY WEST, FL 33040-3364

Mortgage

Document Number	0030420127
Date	Sep 3, 2020
Book Page	3042/127
Instrument	2280258

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$684,386 (+5.99%)	$1,242,503 (+6.54%) Land $823,284 Building $419,219
2024	$5,615.00 (+1.72%)
2023	$5,520.00 (+4.51%) Homeowner's exemption	$645,728 (+3%)	$1,166,254 (+34.18%) Land $779,625 Building $386,629
2022	$5,282.00 Homeowner's exemption	$626,921	$869,188 Land $498,960 Building $370,228

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record median of 248 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	259 units insured incl. 11 condo units
Nearby Flood Claims	11 (2005–2025)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Wilma, Oct 2005 · 3 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

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 662 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
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Nearby Properties on Olivia St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures