1122 Whitehead St, Key West, FL 33040 Property Records

Monroe County property record for 1122 Whitehead St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,569 sqft · built 1938
Lot Size	0.058 acres (2,534 sqft)
Owner	Individual Name on Record
Last Sale	$2,275,000 (Apr 2022)
Tax Bill	$18,317 (2024)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Apr 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00026370-000000`

Property Details

APN / Parcel Number

Primary APN	`00026370-000000`
Alternative APNs	`01010100026370000000` `1027162`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,569 sqft Living Area
1st Floor Area	2,016 sqft
Attic	Attic
Attic Area	1,600 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2018
Exterior Material	Wood
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	2,534 sqft (0.058 acres)
Lot Dimensions	50 ft deep x 51 ft wide
Porch	Open Porch
Porch Area	566 sqft
Patio Area	1,055 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1027162
Street Address	1122 WHITEHEAD ST
City	KEY WEST
State	FL
Zip	33040-7563
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW PB1-25-40 PT LT 32 SQR 2 TR 10 OR550-449 OR793-1750/51 OR947-1706/07 OR969-1491 OR977-2297 OR997-1945 OR1154-1012/13 OR1601-1262/64 OR1664-2490/93 OR1873-77/79 OR1918-363/64 OR2632-2417/19 OR2632-2443/45 OR2723-1737/39 OR3086-178 OR3164-2290
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	TRACTS 10 AND 15
Legal Tract	10
Legal Lot Number	32
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2012
Census Tract	972400

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

Source: Monroe County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	521 PECONIC BAY BLVD, RIVERHEAD, NY 11901-5904
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2022	Warranty Deed, Transfer · Conventional Mortgage AXIA FINANCIAL LLC
Apr 1, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 8, 2017	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Prior Sale	Apr 1, 2021 · Amount on Record
Deed Document Number	20222368683
Deed Book / Page	3164 / 2290
Prior Transfer Date	Apr 12, 2013
Prior Transfer Doc	0026322443
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 1, 2022
Property Address	1122 WHITEHEAD ST, KEY WEST, FL 33040-7563
Document Number	0031642290
Book / Page	3164 / 2290
Map Reference	MB 1 PG 40
Instrument Date	Mar 23, 2022
Instrument	2368683
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 607, CAMERON, MO 64429-0607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 PECONIC BAY BLVD, RIVERHEAD, NY 11901-5904

Mortgage

Document Number	0031642295
Date	Apr 1, 2022
Instrument	3164/2295

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 1, 2021
Property Address	1122 WHITEHEAD ST, KEY WEST, FL 33040-7563
Document Number	0030860178
Book / Page	3086 / 178
Map Reference	MB 1 PG 40
Instrument Date	Mar 30, 2021
Instrument	2311628
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$8,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1122 WHITEHEAD ST, 1122, KEY WEST, FL 33040-7563

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 607, CAMERON, MO 64429-0607

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1122 WHITEHEAD ST, KEY WEST, FL 33040-7563
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028781311
Date	Nov 8, 2017
Book Page	2878/1311
Instrument	2142881

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	OH432

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$2,115,919 (+10.21%) Land $939,790 Building $1,176,129	$2,115,919 (+10.21%) Land $939,790 Building $1,176,129
2024	$18,317.00 (+7.83%)
2023	$16,987.00 (+56.94%)	$1,919,930 (+59.55%) Land $805,616 Building $1,114,314	$1,919,930 (+59.55%) Land $805,616 Building $1,114,314
2022	$10,824.00	$1,203,345 Land $610,403 Building $592,942	$1,203,345 Land $610,403 Building $592,942

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 180 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	228 units insured incl. 48 condo units
Nearby Flood Claims	253 (1980–2022)
Claims Outside the SFHA	16 of 253
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 28 claims Hurricane Wilma, Oct 2005 · 101 claims Hurricane Georges, Sep 1998 · 38 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 993 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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