Monroe County property record for 1108 Packer St, Key West, FL 33040
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 3 ba · 1,600 sqft · built 1948 |
| Lot Size | 0.117 acres (5,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $326,000 (Dec 2005) |
| Tax Bill | $5,933 (2024) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 00031430-000000 |
| Primary APN | 00031430-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 1,600 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,100 sqft (0.117 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Pool Area | 160 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 313 sqft |
| Patio Area | 657 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|
| Account Number | 1032221 |
|---|---|
| Street Address | 1108 PACKER ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-3263 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | HMDR |
| Legal Description | KW G G WATSON SUB I-209 PT LOT 3 AND 4 SQR 4 TR 13 G12-368 OR747-164 OR747-233 OR821-167 OR821-203 OR947-2390 OR1158-371/72 OR1158-373/74 OR1381-2047/48 OR1381-2049/50 OR1965-32 OR1723-900/03 OR2187-2278/79 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 05 |
| Legal Subdivision | G G WATSONS SUBDIVISION |
| Legal Tract | 13 |
| Legal Lot Number | 3,4 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 972800 |
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.
1108 Packer St, a duplex, is owned and occupied by two individuals who acquired it in February 2006.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1108 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2005 · Amount on File |
| Deed Sale | Dec 13, 2005 · Amount on File |
| Prior Sale | Sep 6, 2001 |
| Deed Document Number | 20051555910 |
| Deed Book / Page | 2172 / 1353 |
| Last Transfer Date | Feb 10, 2006 |
| Transfer Doc | 0021872278 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 1108 PACKER ST, KEY WEST, FL 33040-3263 |
| Document Number | 0030431158 |
| Instrument Date | Sep 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1108 PACKER ST KEY WEST FL 330403263, KEY WEST, FL 33040-3263 |
| Document Number | 0030431158 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 003043/001158 |
| Instrument | 2281211 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 9, 2040 |
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 | $674,640 | $1,019,370 Land $740,138 Building $279,232 | |
| 2024 | $5,933.00 (+3.42%) | ||
| 2023 | $5,737.00 (+5.3%) Homeowner's exemption | $620,885 (+3.92%) | $819,557 (+9.65%) Land $563,231 Building $256,326 |
| 2022 | $5,448.00 Homeowner's exemption | $597,493 | $747,427 Land $485,775 Building $261,652 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1108 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 |
|
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 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.
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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