1209 Packer St, Key West, FL 33040 Property Records

Monroe County property record for 1209 Packer St, Key West, FL 33040

Property Summary

Property Type	Duplex
Details	5 bd · 5 ba · 2,150 sqft · built 1918
Lot Size	0.115 acres (4,986 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,925,000 (Oct 2023)
Tax Bill	$14,082 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jun 2017 Sale
Flood Zone	Zone X (moderate risk)
APN	`00032100-000000`

Property Details

APN / Parcel Number

Primary APN	`00032100-000000`
Alternative APNs	`01010100032100000000` `1032883`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Units	2 Units
Stories	2 Stories
Building Area	2,150 sqft Living Area
1st Floor Area	1,670 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1918
Effective Year Built	Effective 2019
Architectural Style	Duplex Single
Exterior Material	Wood
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	4,986 sqft (0.115 acres)
Lot Dimensions	94 ft deep x 53 ft wide

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	737 sqft
Patio Area	1,258 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1032883
Street Address	1209 PACKER ST
City	KEY WEST
State	FL
Zip	33040-3264
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	HMDR
Legal Description	KW G G WATSON SUB I-209 LOT 4 SQR 8 TR 13 E2-260 OR399-667 OR846-2109 OR871-851 OR943-571 OR1090-105 OR1358-1683 OR1358-1685 OR1556-75 OR1892-26 OR2155-1459 OR2179-228 OR2859-430 OR3247-0645
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	MONROE COUNTRY FLORIDA
Legal Tract	13
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2016
Census Tract	972800

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 August 20, 2026

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	3032 MARGO LN, NORTHBROOK, IL 60062-6950
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 12, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Prior Sale	Jun 12, 2017 · Amount on Record
Deed Document Number	20232436637
Deed Book / Page	3247 / 645
Prior Transfer Date	Jun 9, 2015
Prior Transfer Doc	0027461172
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 17, 2023
Property Address	1209 PACKER ST, KEY WEST, FL 33040-3264
Document Number	0032470645
Book / Page	3247 / 645
Instrument Date	Oct 16, 2023
Instrument	2436637
Transaction Type	Transfer
Record Updated	Nov 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1920 GARDEN ST, SANTA BARBARA, CA 93101-1008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3032 MARGO LN, NORTHBROOK, IL 60062-6950

Mortgage

Document Number	0003247648
Date	Oct 17, 2023
Instrument	3247/648

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 12, 2017
Property Address	1209 PACKER ST, KEY WEST, FL 33040-3264
Document Number	0028590430
Book / Page	002859 / 000430
Instrument Date	Jun 12, 2017
Instrument	2126882
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$8,400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1920 GARDEN ST SANTA BARBARA CA 931011008, SANTA BARBARA, CA 93101-1008

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	$14,082.00 (+0.15%)	$1,574,947 (-18.54%) Land $733,293 Building $841,654	$1,574,947 (-18.54%) Land $733,293 Building $841,654
2024	$14,061.00 (+13.7%)
2023	$12,367.00 (+35.14%)	$1,933,488 (+83.34%) Land $536,232 Building $1,397,256	$1,933,488 (+83.34%) Land $536,232 Building $1,397,256
2022	$9,151.00	$1,054,592 Land $481,283 Building $573,309	$1,054,592 Land $481,283 Building $573,309

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 191 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	198 units insured incl. 7 condo units
Nearby Flood Claims	4 (1994–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 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	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 917 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
Verizon Fixed Wireless	300 / 20

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

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