1210 Watson St, Key West, FL 33040 Property Records

Monroe County property record for 1210 Watson St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,088 sqft · built 1980
Lot Size	0.128 acres (5,576 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,100 (Nov 1989)
Tax Bill	$6,387 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Nov 2021 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`00032250-000300`

Property Details

APN / Parcel Number

Primary APN	`00032250-000300`
Alternative APNs	`01010100032250000300` `8761716`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,088 sqft Living Area
1st Floor Area	1,959 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2016
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,576 sqft (0.128 acres)

Exterior Amenities

Pool Area	288 sqft
Porch	Florida Room
Porch Area	426 sqft
Patio Area	1,366 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	8761716
Street Address	1210 WATSON ST
City	KEY WEST
State	FL
Zip	33040-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	PT LT 5 AND PT LT 7 KW GG WATSON SUB I-209 SQR 9 TR 13 OR1111-1514 OR1152-1020 OR1509-191 OR1509-195 OR2116-2499 OR2116-2500 OR2488-1073 OR2488-1059 OR3136-0060
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	WATSON G G
Legal Tract	13
Legal Block	9
Legal Lot Number	5,7
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2015
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 24, 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	1210 WATSON ST, KEY WEST, FL 33040-3322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 5, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jul 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 20, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 1989 · Amount on Record
Deed Sale	Nov 1, 1989 · Amount on Record
Deed Book / Page	1111 / 1514
Last Transfer Date	Aug 12, 2024
Transfer Doc	0032910808
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1210 WATSON ST, KEY WEST, FL 33040-3322
Transaction Type	Mortgage
Record Updated	Sep 29, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1210 WATSON ST, KEY WEST, FL 33040-3322

Mortgage

Document Number	0031920122
Date	Aug 30, 2022
Book Page	3192/122
Instrument	2389705

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Nov 5, 2021
Property Address	1210 WATSON ST, KEY WEST, FL 33040-3322
Document Number	0031360060
Book / Page	3136 / 60
Map Reference	MB I PG 209
Instrument Date	Oct 8, 2021
Instrument	2347411
Transaction Type	Transfer
Record Updated	Nov 26, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1210 WATSON ST, KEY WEST, FL 33040-3322

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jul 20, 2020
Property Address	1210 WATSON ST, KEY WEST, FL 33040-3322
Document Number	0030321757
Book / Page	003032 / 001757
Instrument Date	May 20, 2020
Instrument	2273773
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1213 GRINNELL ST #E KEY WEST FL 330403207, E, KEY WEST, FL 33040-3207

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Jul 20, 2020
Property Address	1210 WATSON ST, KEY WEST, FL 33040-3322
Document Number	0030321754
Book / Page	003032 / 001754
Instrument Date	May 20, 2020
Instrument	2273772
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	428 CALIFORNIA ST EL SEGUNDO CA 902453210, EL SEGUNDO, CA 90245-3210

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	$6,387.00 (+4.09%)	$749,511 (+5.99%)	$1,398,179 (+11.95%) Land $958,068 Building $440,111
2024	$6,136.00 (+1.69%)
2023	$6,034.00 (+4.5%) Homeowner's exemption	$707,173 (+3%)	$1,248,879 (+9.87%) Land $833,361 Building $415,518
2022	$5,774.00 Homeowner's exemption	$686,576	$1,136,664 Land $716,572 Building $420,092

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.

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