1202 17th Ter, Key West, FL 33040 Property Records

Monroe County property record for 1202 17th Ter, Key West, FL 33040

Property Summary

Property Type	Duplex
Details	3 bd · 4 ba · 2,580 sqft · built 2005
Lot Size	0.131 acres (5,700 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (May 2016)
Tax Bill	$6,318 (2024)
Deeds & Mortgages	Apr 2017 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00057960-000000`

Property Details

APN / Parcel Number

Primary APN	`00057960-000000`
Alternative APNs	`01010100057960000000` `1058441`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Units	2 Units
Stories	1 Story
Building Area	2,580 sqft Living Area
1st Floor Area	446 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Architectural Style	Duplex Single
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,700 sqft (0.131 acres)
Lot Dimensions	100 ft deep x 57 ft wide

Exterior Amenities

Pool Area	406 sqft
Porch	Porch
Porch Area	1,196 sqft
Deck Area	1,196 sqft
Patio Area	903 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1058441
Street Address	1202 17TH TER
City	KEY WEST
State	FL
Zip	33040-4273
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SF-2
Legal Description	BK 7 LT 28 KW PEARLMAN HEIGHTS PB4-85 OR429-666/67 OR1959-1991AFF/DC OR1959-1992 OR2292-2403/04 OR2758-2411/14C/T OR2795-506/07
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	PEARLMAN HEIGHTS
Legal Block	7
Legal Lot Number	28
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2002
Census Tract	971900

Owner

1202 17th Ter, a duplex, is owned and occupied by an individual who bought it in May 2016.

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

Owner of Record	Individual Name on File
Mailing Address	1202 17TH TER, KEY WEST, FL 33040-4273
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 4, 2017	Deed of Trust, Mortgage · Commercial Mortgage UNITED WHOLESALE MORTGAGE
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Feb 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2016 · Amount on File
Deed Sale	May 5, 2016 · Amount on File
Prior Sale	Sep 2, 2015
Deed Document Number	20162074407
Deed Book / Page	2795 / 506
Prior Transfer Date	Feb 16, 2007
Prior Transfer Doc	0022922403
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1202 17TH TER, KEY WEST, FL 33040-4273
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028470723
Date	Apr 4, 2017
Book Page	2847/0723
Instrument	2117305

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1202 17TH TER, KEY WEST, FL 33040-4273
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 17TH TER, KEY WEST, FL 33040-4273

Mortgage

Document Number	0030452174
Date	Sep 22, 2020
Book Page	3045/2174
Instrument	2282903

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1202 17TH TER, KEY WEST, FL 33040-4273
Document Number	0029091312
Instrument Date	Apr 11, 2018
Transaction Type	Mortgage
Record Updated	Jul 5, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2827 PATTERSON AVE KEY WEST FL 330404047, KEY WEST, FL 33040-4047

Mortgage

Document Number	0029091312
Date	Jun 1, 2018
Book Page	002909/001312
Instrument	2171654

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 31, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1202 17TH TER, KEY WEST, FL 33040-4273
Document Number	0029091319
Instrument Date	Feb 12, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	507 DUVAL ST KEY WEST FL 330406552, KEY WEST, FL 33040-6552

Mortgage

Document Number	0029091319
Date	Jun 1, 2018
Book Page	002909/001319
Instrument	2176155

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 31, 2048

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		$943,898 Land $474,953 Building $468,945	$943,898 Land $474,953 Building $468,945
2024	$6,318.00 (+3.54%)
2023	$6,102.00 (+7.28%) Homeowner's exemption	$750,803 (+6.81%)	$929,723 (+13.18%) Land $523,887 Building $405,836
2022	$5,688.00 Homeowner's exemption	$702,951	$821,441 Land $408,747 Building $412,694

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

Flood

FEMA maps place 1202 17th Ter 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 220 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	363 units insured incl. 143 condo units
Nearby Flood Claims	348 (1979–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 30 claims Hurricane Wilma, Oct 2005 · 243 claims Hurricane Georges, Sep 1998 · 51 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 1202 17th Ter 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 634 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

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

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