119 Simonton St, Key West, FL 33040 Property Records

Monroe County property record for 119 Simonton St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,400 sqft · built 2018
Lot Size	0.033 acres (1,438 sqft)
Owner	Individual Name on Record
Last Sale	$2,142,700 (Mar 2019)
Tax Bill	$20,333 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00000240-000119`

Property Details

APN / Parcel Number

Primary APN	`00000240-000119`
Alternative APN	`9103707`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	4 Stories
Building Area	2,400 sqft Living Area
Gross Area	2,974 sqft
Flooring	Ceramic Tile
Interior Walls	Masonry

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	1,438 sqft (0.033 acres)
Lot Dimensions	54 ft deep x 27 ft wide
Garage Type	Attached
Garage Area	574 sqft
Porch	Unfinished Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	9103707
Street Address	119 SIMONTON ST
City	KEY WEST
State	FL
Zip	33040-6626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HRCC1
Legal Description	UNIT 119 SIMONTON ST - OLD TOWN VILLAS AT KEY WEST OR2721-1202/09 OR2773-709/806(DEC/COV) OR2951-1078 OR3141-551
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	OLD TOWN VILLAS AT KEY WEST
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2037
Census Tract	972500

Historic Designation

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

Historic District	Within the Key West Historic District listed 1971 · 189 contributing resources · NRIS 71000245

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 June 9, 2026

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	119 SIMONTON ST, KEY WEST, FL 33040-6626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEYS
Mar 1, 2019	Special Warranty Deed, Transfer · ARM CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2019 · Amount on Record
Deed Sale	Mar 1, 2019 · Amount on Record
Deed Document Number	20192208996
Deed Book / Page	2951 / 1078
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	119 SIMONTON ST, KEY WEST, FL 33040-6626
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 SIMONTON ST, KEY WEST, FL 33040-6626

Mortgage

Document Number	0033541539
Date	Nov 21, 2025
Book Page	3354/1539
Instrument	2522980

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	12.8%

March 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 1, 2019
Property Address	119 SIMONTON ST, KEY WEST, FL 33040-6626
Document Number	0029511078
Book / Page	2951 / 1078
Map Reference	MB 2773 PG 709
Instrument Date	Feb 22, 2019
Instrument	2208996
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,998.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8405 GREENSBORO DR # DRP130, 8405, MC LEAN, VA 22102-5104

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	119 SIMONTON ST # 504, 504, KEY WEST, FL 33040-6626

Mortgage

Document Number	0002208997
Date	Mar 1, 2019
Instrument	2208997

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	11.2%

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	$20,333.00 (+3.19%) Homeowner's exemption Widower's exemption	$2,449,998 (+5.99%)	$3,171,731 (-1.84%) Land $1,933,988 Building $1,237,743
2024	$19,704.00 (+1.53%)
2023	$19,408.00 (+4.2%) Senior Citizen's exemption	$2,311,603 (+3%)	$3,231,212 (+43.98%) Land $2,035,777 Building $1,195,435
2022	$18,625.00 Senior Citizen's exemption	$2,244,275 Land $1,045,649 Building $1,198,626	$2,244,275 Land $1,045,649 Building $1,198,626

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	7.0 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	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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