Monroe County property record for 1108 20th St, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,405 sqft · built 1960 |
| Lot Size | 0.13 acres (5,640 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $59,000 (Oct 1980) |
| Tax Bill | $5,830 (2025) |
| Deeds & Mortgages | May 2026 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 00055680-000000 |
| Primary APN | 00055680-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,405 sqft Living Area |
| 1st Floor Area | 1,405 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,640 sqft (0.13 acres) |
| Porch | Open Porch |
| Porch Area | 102 sqft |
| Patio Area | 208 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1056235 |
|---|---|
| Street Address | 1108 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 3 KW REPLAT OF LOTS 1-8 PB4-123 PEARLMAN ESTATES FIRST ADDITION-EXTENSION PB4-71 OR199-566/67 OR613-795 OR773-1489/90 OR744-593 OR820-1539 OR1276-109/11 OR2617-665/66 |
| Legal Range | 25E |
| Legal Township | 67S |
| Legal Section | 34 |
| Legal Subdivision | PEARLMAN ESTATES FIRST ADDN EXTENSION |
| Legal Lot Number | 3,1-8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 971900 |
1108 20th St is owned by two individuals who acquired it in March 2013.
Source: Monroe County records, as of May 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1104 20TH ST, KEY WEST, FL 33040-4502 |
| 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 1, 1980 · Amount on File |
| Deed Sale | Oct 1, 1980 · Amount on File |
| Prior Sale | Feb 1, 1975 · Amount on File |
| Deed Book / Page | 820 / 1539 |
| Last Transfer Date | Mar 1, 2013 |
| Transfer Doc | 0026170665 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 20, 2026 |
| Property Address | 1108 20TH ST, KEY WEST, FL 33040-4502 |
| Document Number | 0002544279 |
| Book / Page | 3381 / 2265 |
| Instrument Date | May 15, 2026 |
| Instrument | 20262544279 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 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 1108 20th St was $5,830, up 4.6% 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 | $5,830.00 (+4.63%) | $663,759 Land $469,953 Building $193,806 | $663,759 Land $469,953 Building $193,806 |
| 2024 | $5,572.00 (+5.25%) | ||
| 2023 | $5,294.00 (+13.85%) | $688,682 (+19.27%) Land $518,372 Building $170,310 | $688,682 (+19.27%) Land $518,372 Building $170,310 |
| 2022 | $4,650.00 | $577,393 Land $404,444 Building $172,949 | $577,393 Land $404,444 Building $172,949 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1108 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 1108 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures