1202 20th St, Key West, FL 33040 Property Records

Monroe County property record for 1202 20th St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 912 sqft · built 1960
Lot Size	0.13 acres (5,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,000 (Feb 2022)
Tax Bill	$5,517 (2024)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Feb 2022 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`00055720-000000`

Property Details

APN / Parcel Number

Primary APN	`00055720-000000`
Alternative APNs	`01010100055720000000` `1056278`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,640 sqft (0.13 acres)
Porch	Open Porch
Porch Area	205 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1056278
Street Address	1202 20TH ST
City	KEY WEST
State	FL
Zip	33040-4516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-2
Legal Description	LoT 7 KW REPLAT OF LOTS 1-8 PB4-123 PEARLMAN ESTATES FIRSTADDITION EXTENSION PB4-71 OR275-293 OR423-556 OR2662-1578 OR2696-1247 OR2893-579 OR3156-1038 OR3156-1040
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	PEARLMAN ESTATES FIRST ADDN EXTENSION
Legal Lot Number	1-8
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1012
Census Tract	971900

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1202 20TH ST, KEY WEST, FL 33040-4516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2022	Warranty Deed, Transfer · Conventional Mortgage AMCAP MORTGAGE LTD
Feb 22, 2022	Correction Deed ATTORNEY ONLY, ATTORNEY
Mar 12, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2022 · Amount on Record
Deed Sale	Feb 22, 2022 · Amount on Record
Prior Sale	Mar 12, 2021 · Amount on Record
Deed Document Number	20222362508
Deed Book / Page	3156 / 1040
Prior Transfer Date	Feb 17, 2022
Prior Transfer Doc	0031561038
Record Updated	Sep 20, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 22, 2022
Property Address	1202 20TH ST, KEY WEST, FL 33040-4516
Document Number	0031561040
Book / Page	3156 / 1040
Map Reference	MB 4 PG 123
Instrument Date	Feb 17, 2022
Instrument	2362508
Transaction Type	Transfer
Record Updated	Mar 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7804C FAIRVIEW RD # RD343, 7804C, CHARLOTTE, NC 28226-4945

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1202 20TH ST, KEY WEST, FL 33040-4516

Mortgage

Document Number	0031561042
Date	Feb 22, 2022
Instrument	3156/1042

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

February 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Feb 22, 2022
Property Address	1202 20TH ST, KEY WEST, FL 33040-4516
Document Number	0031561038
Book / Page	3156 / 1038
Map Reference	MB 4 PG 123
Instrument Date	Feb 17, 2022
Instrument	2362507
Record Updated	Mar 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 20TH ST, KEY WEST, FL 33040-4516

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 12, 2021
Property Address	1202 20TH ST, KEY WEST, FL 33040-4516
Document Number	0030810676
Book / Page	3081 / 676
Map Reference	MB 4 PG 71
Instrument Date	Mar 12, 2021
Instrument	2308249
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$3,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1202 20TH ST, 1202, KEY WEST, FL 33040-4516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9115 GLISSON CT, CHARLOTTE, NC 28210-7670

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Feb 23, 2018
Property Address	1202 20TH ST, KEY WEST, FL 33040-4516
Document Number	0028930579
Book / Page	002893 / 000579
Instrument Date	Feb 12, 2018
Instrument	2156693
Transaction Type	Transfer
Record Updated	Mar 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1202 20TH ST KEY WEST FL 330404516, KEY WEST, FL 33040-4516

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		$608,269 (-5.61%) Land $469,953 Building $138,316	$608,269 (-5.61%) Land $469,953 Building $138,316
2024	$5,517.00 (+0.15%)
2023	$5,509.00 (+12.8%) Homeowner's exemption	$644,434 (+19.85%) Land $518,372 Building $126,062	$644,434 (+19.85%) Land $518,372 Building $126,062
2022	$4,884.00	$537,681 Land $404,444 Building $133,237	$537,681 Land $404,444 Building $133,237

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 532 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	721 units insured incl. 189 condo units
Nearby Flood Claims	473 (1980–2026)
Claims Outside the SFHA	3 of 473
Most Recent Claim	Jun 2026 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 91 claims Hurricane Wilma, Oct 2005 · 274 claims Hurricane Georges, Oct 1998 · 56 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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Hotwire Communications, Verizon.

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