1212 Watson St, Key West, FL 33040 Property Records

Monroe County property record for 1212 Watson St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,457 sqft · built 1923
Lot Size	0.069 acres (3,006 sqft)
Owner	Individual Name on Record
Last Sale	$1,880,000 (Aug 2025)
Tax Bill	$11,782 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2021 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00032270-000000`

Property Details

APN / Parcel Number

Primary APN	`00032270-000000`
Alternative APN	`1033057`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,457 sqft Living Area
1st Floor Area	805 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1923
Effective Year Built	Effective 2015
Exterior Material	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,006 sqft (0.069 acres)
Lot Dimensions	76 ft deep x 39 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	679 sqft
Patio Area	255 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air

Location & Zoning

Account Number	1033057
Street Address	1212 WATSON ST
City	KEY WEST
State	FL
Zip	33040-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KW G G WATSON SUB I-209 PT LOT 7 SQR 9 TR 13 H1-523 OR806-1373 OR814-1189 OR870-1251 OR946-1151 OR1014-2398 OR1014-2401
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KW G G WATSON SUB
Legal Tract	13
Legal Lot Number	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 December 5, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	63 PROCTOR RD, CHELMSFORD, MA 01824-4361
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY NEIGHBOR BANK
Jan 5, 2021	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Oct 25, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2025 · Amount on Record
Deed Sale	Aug 20, 2025 · Amount on Record
Prior Sale	Oct 25, 2017 · Amount on Record
Deed Document Number	2512561
Deed Book / Page	3341 / 830
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1212 WATSON ST, KEY WEST, FL 33040-3322
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 PROCTOR RD, CHELMSFORD, MA 01824-4361

Mortgage

Document Number	0033670643
Date	Feb 20, 2026
Book Page	3367/643
Instrument	2532865

Lender

Name	COMMUNITY NEIGHBOR BANK
Type	Bank
Address	CAMDEN, ME 04843

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1212 WATSON ST, KEY WEST, FL 33040-3322
Transaction Type	Mortgage
Record Updated	Feb 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10418 WISCANE AVE, ORLANDO, FL 32836-6568

Mortgage

Document Number	0030671077
Date	Jan 5, 2021
Book Page	3067/1077
Instrument	2298033

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 29, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 25, 2017
Property Address	1212 WATSON ST, KEY WEST, FL 33040-3322
Document Number	0028760841
Book / Page	002876 / 000841
Instrument Date	Oct 23, 2017
Instrument	2141059
Transaction Type	Transfer
Record Updated	Nov 23, 2017

Transaction

Amount	Amount Recorded
Tax	$5,180.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1212 WATSON ST KEY WEST FL 330403322, KEY WEST, FL 33040-3322

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$1,385,425 (+11.12%) Land $734,727 Building $650,698	$1,385,425 (+11.12%) Land $734,727 Building $650,698
2024	$11,782.00 (+8.18%)
2023	$10,891.00 (+53.68%)	$1,246,747 (+42.05%) Land $639,091 Building $607,656	$1,246,747 (+42.05%) Land $639,091 Building $607,656
2022	$7,087.00	$877,658 Land $549,527 Building $328,131	$877,658 Land $549,527 Building $328,131

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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