1109 Windsor Ln, Key West, FL 33040 Property Records

Monroe County property record for 1109 Windsor Ln, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,489 sqft · built 2005
Lot Size	0.127 acres (5,520 sqft)
Owner	Company Name on File
Last Sale	$2,350,000 (Apr 2020)
Tax Bill	$24,177 (2024)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Nov 2017 Loan Modification + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00030220-000000`

Property Details

APN / Parcel Number

Primary APN	`00030220-000000`
Alternative APNs	`01010100030220000000` `1030988`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,489 sqft Living Area
1st Floor Area	2,648 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2018
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	5,520 sqft (0.127 acres)
Lot Dimensions	114 ft deep x 48 ft wide

Exterior Amenities

Pool Area	198 sqft
Porch	Open Porch
Porch Area	1,258 sqft
Deck Area	304 sqft
Patio Area	304 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1030988
Street Address	1109 WINDSOR LN
City	KEY WEST
State	FL
Zip	33040-3271
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW TROPICAL SUB PB1-37 LOT 14 SQR 3 TR 12 H2-420 OR696-659 OR809-1706 OR1336-2466 OR1950-1525/26 OR2262-1953/55 OR2742-1645/46 OR3018-0312
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	TROPICAL BUILDING AND INVESTMENT CO SUB
Legal Tract	12
Legal Lot Number	14
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2006
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

1109 Windsor Ln is owned by a company that bought it in April 2020.

Source: Monroe County records, as of April 14, 2026

Owner of Record	Company Name on File
Mailing Address	9750 E 150TH ST, 1200, NOBLESVILLE, IN 46060-5583
Owner Type	Company
Vesting	Limited Liability Company

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
Apr 15, 2020	Warranty Deed, Transfer · Commercial Mortgage MUTUAL BANK FSB
Nov 20, 2017	Loan Modification, Mortgage CENTENNIAL BK
Aug 20, 2017	Loan Modification, Mortgage CENTENNIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2020 · Amount on File
Deed Sale	Apr 15, 2020 · Amount on File
Prior Sale	May 28, 2015 · Amount on File
Deed Document Number	20202263154
Deed Book / Page	3018 / 312
Prior Transfer Date	Jan 6, 1995
Prior Transfer Doc	1336002466
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 15, 2020
Property Address	1109 WINDSOR LN, KEY WEST, FL 33040-3271
Document Number	0030180312
Book / Page	3018 / 312
Map Reference	MB 1 PG 37
Instrument Date	Apr 13, 2020
Instrument	2263154
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2226 STATE ROAD 580, 2226, CLEARWATER, FL 33763-1126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1148 CHERRY ST, NOBLESVILLE, IN 46060-2805

Mortgage

Document Number	0003018315
Date	Apr 15, 2020
Instrument	3018/315

Lender

Name	MUTUAL BANK FSB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	1109 WINDSOR LN, KEY WEST, FL 33040-3271
Document Number	0028850343
Book / Page	002885 / 000343
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2165 LOUISA DR BELLEAIR BEACH FL 337863445, BELLEAIR BEACH, FL 33786-3445

Mortgage

Document Number	0028850343
Date	Dec 28, 2017
Book Page	002885/000343
Instrument	2149110

Lender

Name	CENTENNIAL BK
Type	Bank
Address	TAMPA, FL 33607

Agreement

Term	120 Months
Due	Dec 27, 2027

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	1109 WINDSOR LN, KEY WEST, FL 33040-3271
Document Number	0028762347
Instrument Date	Aug 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2165 LOUISA DR BELLEAIR BEACH FL 337863445, BELLEAIR BEACH, FL 33786-3445

Mortgage

Document Number	0028762347
Date	Oct 27, 2017
Book Page	002876/002347
Instrument	2141486

Lender

Name	CENTENNIAL BK
Type	Bank
Address	TAMPA, FL 33607

Agreement

Term	12 Months
Due	Oct 26, 2018

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		$3,354,161 Land $1,644,077 Building $1,710,084	$3,354,161 Land $1,644,077 Building $1,710,084
2024	$24,177.00 (+8.3%)
2023	$22,325.00 (+16.85%)	$3,042,611 (+25.54%) Land $1,409,353 Building $1,633,258	$3,042,611 (+25.54%) Land $1,409,353 Building $1,633,258
2022	$19,106.00	$2,423,564 Land $1,067,844 Building $1,355,720	$2,423,564 Land $1,067,844 Building $1,355,720

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

Flood

FEMA maps place 1109 Windsor Ln 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 1109 Windsor Ln 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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