112 Front St, Key West, FL 33040 Property Records

Monroe County property record for 112 Front St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,032 sqft · built 1990
Lot Size	0.183 acres (8,002 sqft)
Owner	Individual Name on Record
Last Sale	$2,350,000 (Jul 2012)
Tax Bill	$26,629 (2024)
Deeds & Mortgages	Dec 2017 Line of Credit Dec 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`00004590-000904`

Property Details

APN / Parcel Number

Primary APN	`00004590-000904`
Alternative APNs	`01010100004590000904` `8758944`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	4,032 sqft Living Area
1st Floor Area	2,880 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,002 sqft (0.183 acres)
Lot Dimensions	100 ft deep x 80 ft wide

Exterior Amenities

Pool Area	310 sqft
Porch	Open Porch
Porch Area	1,225 sqft
Patio Area	530 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	8758944
Old Parcel Number	01010100004590000904
Street Address	112 FRONT ST
City	KEY WEST
State	FL
Zip	33040-8310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KW PT LT 3 SQR 26 AND PT THOMAS ST EXTENDED AND PT SQR 27 (.1837 AC) (A/K/A LOT 165) OR1109-2388/90 OR1983-2024/26
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	THOMAS STREET
Legal Lot Number	3,165
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2045
Census Tract	972500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the US Naval Station listed 1984 · 22 contributing resources · NRIS 84000915

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 December 5, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	112 FRONT ST, KEY WEST, FL 33040-8310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Dec 19, 2017	Deed of Trust, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2012 · Amount on Record
Deed Sale	Jul 27, 2012 · Amount on Record
Prior Sale	Mar 15, 2004 · Amount on Record
Deed Document Number	1893312
Deed Book / Page	2581 / 1939
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	112 FRONT ST, KEY WEST, FL 33040-8310
Document Number	0028850999
Book / Page	002885 / 000999
Instrument Date	Dec 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	112 FRONT ST KEY WEST FL 330408310, KEY WEST, FL 33040-8310

Mortgage

Document Number	0028850999
Date	Dec 29, 2017
Book Page	002885/000999
Instrument	2149357

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 28, 2042

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	112 FRONT ST, KEY WEST, FL 33040-8310
Document Number	0028851395
Book / Page	002885 / 001395
Instrument Date	Dec 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018
Title Company	TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	112 FRONT ST KEY WEST FL 330408310, KEY WEST, FL 33040-8310

Mortgage

Document Number	0028851395
Date	Dec 29, 2017
Book Page	002885/001395
Instrument	2149439

Lender

Name	BRANCH BK&TR
Type	Bank
Address	223 NASH ST W, WILSON, NC 27893-3801

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 28, 2032

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$3,310,240 (+5.99%)	$4,249,995 (-12.89%) Land $2,858,314 Building $1,391,681
2024	$26,629.00 (+1.5%)
2023	$26,236.00 (+4.39%) Homeowner's exemption	$3,123,252 (+3%)	$4,878,657 (+42.02%) Land $3,648,912 Building $1,229,745
2022	$25,132.00 Homeowner's exemption	$3,032,284	$3,435,116 Land $2,377,874 Building $1,057,242

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

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 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 Record median of 307 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	746 units insured incl. 439 condo units
Nearby Flood Claims	53 (2005–2017)
Claims Outside the SFHA	5 of 53
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 50 claims Hurricane Wilma, Oct 2005 · 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

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 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications, T-Mobile, Verizon.

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