1. Home
  2. Florida
  3. Monroe County
  4. Key West
  5. Watson St

1124 Watson St, Key West, FL 33040 Property Records

Monroe County property record for 1124 Watson St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,539 sqft · built 1938
Lot Size0.061 acres (2,675 sqft)
Owner2 Individual Names on File
Last Sale$1,100,000 (May 2022)
Tax Bill$9,094 (2025)
Deeds & MortgagesMay 2022 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN00031870-000000

Property Details

APN / Parcel Number

Primary APN00031870-000000
Alternative APNs
  • 01010100031870000000
  • 1032654

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,539 sqft Living Area
1st Floor Area1,099 sqft
AtticAttic
Attic Area880 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1938
Effective Year BuiltEffective 2012
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area2,675 sqft (0.061 acres)
Lot Dimensions50 ft deep x 52 ft wide
PorchUnfinished Open Porch
Porch Area508 sqft
Patio Area30 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C

Location & Zoning

Account Number1032654
Street Address1124 WATSON ST
CityKEY WEST
StateFL
Zip33040-3389
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeHMDR
Legal DescriptionKW G G WATSON SUB I-209 PT LOT 13 SQR 6 TR 13 E1-67 OR605-725 OR1135-601/602 OR1192-102/103 OR1192-104/5 OR1294-1620R/S OR1297-1599D/C OR1297-1598 OR1673-17EST/ORD OR1688-134/135 OR2816-482/83 OR3174-0304
Legal Range25E
Legal Township68S
Legal Section05
Legal SubdivisionGEO G WATSONS SUBDIVISION
Legal Tract13
Legal Lot Number13
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2009
Census Tract972800

Owner

Source: Monroe County records · APN 00031870-000000

Assessment roll updated December 8, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address1124 WATSON ST, KEY WEST, FL 33040-3389
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 17, 2022 · Amount on Record
Deed SaleMay 17, 2022 · Amount on Record
Prior SaleSep 19, 2016 · Amount on Record
Deed Document Number20222375867
Deed Book / Page3174 / 304
Transfer Doc1374001242
Record UpdatedSep 20, 2026

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 17, 2022
Property Address1124 WATSON ST, KEY WEST, FL 33040-3389
Document Number0031740304
Book / Page3174 / 304
Map ReferenceMB I PG 109
Instrument DateMay 11, 2022
Instrument2375867
Transaction TypeTransfer
Record UpdatedJun 03, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$7,700.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1124 WATSON ST, 1124, KEY WEST, FL 33040-3389

Transferred To (Grantee/Buyer)

NameVerified Name
Address1124 WATSON ST, KEY WEST, FL 33040-3389

Mortgage

Document Number0003174306
DateMay 17, 2022
Instrument3174/306
Lender
NameFIRST HORIZON BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2052

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$9,094.00 (+2.25%)$1,037,107 (+12.03%) Land $647,350 Building $389,757$1,037,107 (+12.03%) Land $647,350 Building $389,757
2024$8,894.00 (+8.37%)
2023$8,207.00 (+104.31%)$925,780 (+95.47%) Land $563,088 Building $362,692$925,780 (+8.29%) Land $563,088 Building $362,692
2022$4,017.00 Homeowner's exemption$473,627$854,905 Land $484,175 Building $370,730

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 191 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies198 units insured
incl. 7 condo units
Nearby Flood Claims4 (1994–2017)
Claims Outside the SFHA3 of 4
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic DistrictWithin 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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 USA.

Based on FCC filings for 917 locations within half a mile of this property.

Nearby Properties on Watson St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures