1216 Packer St, Key West, FL 33040 Property Records

Monroe County property record for 1216 Packer St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 948 sqft · built 1933
Lot Size	0.071 acres (3,100 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Dec 2018)
Tax Bill	$5,821 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2023 Mortgage + 9 more
Flood Zone	Zone X (moderate risk)
APN	`00031970-000000`

Property Details

APN / Parcel Number

Primary APN	`00031970-000000`
Alternative APNs	`01010100031970000000` `1032751`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	948 sqft Living Area
1st Floor Area	948 sqft
Flooring	Ceramic Tile
Interior Walls	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2018
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,100 sqft (0.071 acres)
Lot Dimensions	100 ft deep x 31 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	100 sqft
Deck Area	210 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1032751
Street Address	1216 PACKER ST
City	KEY WEST
State	FL
Zip	33040-3265
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW G G WATSON SUB I-209 PT LOTS 4-5 SQR 7 TR 13 G10-218 OR400-752/53 OR2938-1516D/C OR2938-1524
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KW G G WATSON SUB
Legal Tract	13
Legal Lot Number	4-5
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2017
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 September 22, 2026

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	1216 PACKER ST, KEY WEST, FL 33040-3265
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Mar 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Mar 8, 2022	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF LITTLE ROCK MORTGAGE CORP
Dec 10, 2020	Deed of Trust, Mortgage · Line of Credit GTE FCU
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF LITTLE ROCK
Nov 18, 2019	Deed of Trust, Mortgage · Line of Credit GEORGIA'S OWN CU
Feb 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOWER
Feb 22, 2019	Deed of Trust, Mortgage · Line of Credit LOWER
Dec 3, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Prior Sale	Sep 3, 2002 · Amount on Record
Deed Document Number	20182196570
Deed Book / Page	2938 / 1524
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1216 PACKER ST, KEY WEST, FL 33040-3265
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 PACKER ST, KEY WEST, FL 33040-3265

Mortgage

Document Number	0033682239
Date	Mar 2, 2026
Book Page	3368/2239
Instrument	2534184

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1216 PACKER ST, KEY WEST, FL 33040-3265
Transaction Type	Mortgage
Record Updated	May 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 PACKER ST, KEY WEST, FL 33040-3265

Mortgage

Document Number	0032231818
Date	May 3, 2023
Book Page	3223/1818
Instrument	2416491

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	May 1, 2030
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Max Rate	10.5%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1216 PACKER ST, KEY WEST, FL 33040-3265
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 PACKER ST, KEY WEST, FL 33040-3265

Mortgage

Document Number	0031591057
Date	Mar 8, 2022
Book Page	3159/1057
Instrument	2364705

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1216 PACKER ST, KEY WEST, FL 33040-3265
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 PACKER ST, KEY WEST, FL 33040-3265

Mortgage

Document Number	0031591230
Date	Mar 8, 2022
Book Page	3159/1230
Instrument	2364754

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1216 PACKER ST, KEY WEST, FL 33040-3265
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 PACKER ST, KEY WEST, FL 33040-3265

Mortgage

Document Number	0030612145
Date	Dec 10, 2020
Book Page	3061/2145
Instrument	2294359

Lender

Name	BANK OF LITTLE ROCK MORTGAGE CORP
Type	Mortgage Company
Address	LITTLE ROCK, AR 72223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1216 PACKER ST, KEY WEST, FL 33040-3265
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 PACKER ST, KEY WEST, FL 33040-3265

Mortgage

Document Number	0030612156
Date	Dec 10, 2020
Book Page	3061/2156
Instrument	2294360

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1216 PACKER ST, KEY WEST, FL 33040-3265
Document Number	0029980438
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 PACKER ST KEY WEST FL 330403265, KEY WEST, FL 33040-3265

Mortgage

Document Number	0029980438
Date	Dec 9, 2019
Book Page	002998/000438
Instrument	2247580

Lender

Name	BANK OF LITTLE ROCK
Type	Bank
Address	LITTLE ROCK, AR 72223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1216 PACKER ST, KEY WEST, FL 33040-3265
Document Number	0029980449
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 PACKER ST KEY WEST FL 330403265, KEY WEST, FL 33040-3265

Mortgage

Document Number	0029980449
Date	Dec 9, 2019
Book Page	002998/000449
Instrument	2247581

Lender

Name	GEORGIA'S OWN CU
Type	Credit Union
Address	ATLANTA, GA 30348

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1216 PACKER ST, KEY WEST, FL 33040-3265
Document Number	0029510970
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 5, 2019
Title Company	MEYMAX TITLE AGENCY LLC, MEYMAX TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 PACKER ST KEY WEST FL 330403265, KEY WEST, FL 33040-3265

Mortgage

Document Number	0029510970
Date	Mar 1, 2019
Book Page	002951/000970
Instrument	2208960

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1216 PACKER ST, KEY WEST, FL 33040-3265
Document Number	0029510981
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 2, 2019
Title Company	MEYMAX TITLE AGENCY LLC, MEYMAX TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 PACKER ST KEY WEST FL 330403265, KEY WEST, FL 33040-3265

Mortgage

Document Number	0029510981
Date	Mar 1, 2019
Book Page	002951/000981
Instrument	2208961

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 28, 2039

Interest

Rate Type	Adjustable Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 3, 2018
Property Address	1216 PACKER ST, KEY WEST, FL 33040-3265
Document Number	0029381524
Book / Page	2938 / 1524
Instrument Date	Nov 30, 2018
Instrument	2196570
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1216 PACKER ST, KEY WEST, FL 33040-3265

Mortgage

Document Number	0002196571
Date	Dec 3, 2018
Instrument	2196571

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 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	$5,821.00 (+4.21%) Homeowner's exemption	$680,682 (+5.99%)	$1,118,928 (+13.21%) Land $750,200 Building $368,728
2024	$5,586.00 (+1.73%)
2023	$5,491.00 (+4.51%) Homeowner's exemption	$642,233 (+3%)	$988,390 (+9.7%) Land $652,550 Building $335,840
2022	$5,254.00 Homeowner's exemption	$623,528	$900,967 Land $561,100 Building $339,867

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 Packer St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures