1119 Florida St, Key West, FL 33040 Property Records

Monroe County property record for 1119 Florida St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,028 sqft · built 1928
Lot Size	0.104 acres (4,519 sqft)
Owner	2 Company Names on File
Last Sale	$790,000 (Sep 2026)
Tax Bill	$2,027 (2025)
Deeds & Mortgages	Sep 2026 Sale Apr 2018 Reverse Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00034740-000000`

Property Details

APN / Parcel Number

Primary APN	`00034740-000000`
Alternative APNs	`01010100034740000000` `1035629`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,028 sqft Living Area
1st Floor Area	1,028 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,519 sqft (0.104 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	1,147 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1035629
Street Address	1119 FLORIDA ST
City	KEY WEST
State	FL
Zip	33040-3466
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW KNIGHTS SUB PB 1-27 LOT 2 SQR 3 TR 14 D1-305 G61-65/66 OR744-432 OR954-148R/S OR1007-721
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KW KNIGHTS SUB
Legal Tract	14
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1003
Census Tract	972200

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

1119 Florida St is owned by a company that bought it in September 2026.

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

Owner of Record	2 Company Names on File
Mailing Address	3028 ROYCE LN, COSTA MESA, CA 92626-2739
Owner Type	Company
Vesting	Life Tenant

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
Sep 21, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 13, 2018	Deed of Trust, Mortgage · Reverse Mortgage OPEN MORTGAGE LLC
Mar 30, 2018	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2026 · Amount on File
Deed Sale	Sep 21, 2026 · Amount on File
Prior Sale	Sep 1, 1985 · Amount on File
Deed Document Number	20262561239
Deed Book / Page	3403 / 820
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 21, 2026
Property Address	1119 FLORIDA ST, KEY WEST, FL 33040-3466
Document Number	0002561239
Book / Page	3403 / 820
Instrument Date	Sep 16, 2026
Instrument	20262561239
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$558,530.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	3028 ROYCE LN, COSTA MESA, CA 92626-2739

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1119 FLORIDA ST, KEY WEST, FL 33040-3466
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029010231
Date	Apr 13, 2018
Book Page	2901/0231
Instrument	2164172

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company
Address	AUSTIN, TX 78737

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.16%
Type Change Date	Apr 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1119 FLORIDA ST, KEY WEST, FL 33040-3466
Document Number	0029010247
Instrument Date	Mar 30, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1119 FLORIDA ST KEY WEST FL 330403466, KEY WEST, FL 33040-3466

Mortgage

Document Number	0029010247
Date	Apr 13, 2018
Book Page	002901/000247
Instrument	2164173

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	972 Months
Due	Apr 12, 2099

Interest

Rate Type	Adjustable Rate
Rate	5.16%

Tax Assessment & Valuation

The 2025 property tax bill for 1119 Florida St was $2,027, up 7% from the year before.

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	$2,027.00 (+7.02%)	$219,338	$1,109,769 Land $933,083 Building $176,686
2024	$1,894.00 (+2.32%)
2023	$1,851.00 (+4.81%) Homeowner's exemption	$206,949 (+3%)	$1,142,001 (+38.53%) Land $977,324 Building $164,677
2022	$1,766.00 Homeowner's exemption	$200,922	$824,391 Land $655,571 Building $168,820

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

FEMA maps place 1119 Florida 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	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 178 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	187 units insured incl. 9 condo units
Nearby Flood Claims	138 (1980–2017)
Claims Outside the SFHA	8 of 138
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 12 claims Hurricane Wilma, Oct 2005 · 98 claims Hurricane Georges, Sep 1998 · 14 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 1119 Florida 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 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.

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