1217 20th St, Key West, FL 33040 Property Records

Monroe County property record for 1217 20th St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 1958
Lot Size	0.133 acres (5,800 sqft)
Owner	2 Individual Names on File
Last Sale	$595,000 (Jun 2019)
Tax Bill	$4,578 (2024)
Deeds & Mortgages	May 2018 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00055260-000000`

Property Details

APN / Parcel Number

Primary APN	`00055260-000000`
Alternative APNs	`01010100055260000000` `1055841`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,594 sqft Living Area
1st Floor Area	1,594 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2001
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,800 sqft (0.133 acres)
Lot Dimensions	100 ft deep x 58 ft wide

Exterior Amenities

Pool Area	128 sqft
Porch	Open Porch
Porch Area	32 sqft
Deck Area	60 sqft
Patio Area	475 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1055841
Street Address	1217 20TH ST
City	KEY WEST
State	FL
Zip	33040-4543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-2
Legal Description	BK 3 LOT 8 KW PEARLMAN ESTATES FIRST ADDITION PB4-21 OR147-353/54 OR550-686 OR787-1632 OR1021-532 OR1323-830R/S OR2004-485 OR2018-2151 OR2128-1579 OR2570-897/98 OR2853-885F/J OR2967-1954
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	PEARLMAN ESTATES FIRST ADDITION
Legal Block	3
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1011
Census Tract	971900

Owner

1217 20th St is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1217 20TH ST, KEY WEST, FL 33040-4543
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 14, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 1, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Apr 2, 2020	Deed of Trust, Mortgage · VA Mortgage PRIVATE INDIVIDUAL
Jun 3, 2019	Warranty Deed, Transfer · VA Mortgage IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2019 · Amount on File
Deed Sale	Jun 3, 2019 · Amount on File
Prior Sale	Nov 9, 2016 · Amount on File
Deed Document Number	20192222876
Deed Book / Page	2967 / 1954
Prior Transfer Date	Oct 18, 2016
Prior Transfer Doc	0028250053
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1217 20TH ST, KEY WEST, FL 33040-4543
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029061563
Date	May 14, 2018
Book Page	2906/1563
Instrument	2168997

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 10, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1217 20TH ST, KEY WEST, FL 33040-4543
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030721128
Date	Feb 1, 2021
Book Page	3072/1128
Instrument	2301775

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1217 20TH ST, KEY WEST, FL 33040-4543
Document Number	0030171077
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1217 20TH ST KEY WEST FL 330404543, KEY WEST, FL 33040-4543

Mortgage

Document Number	0030171077
Date	Apr 8, 2020
Book Page	003017/001077
Instrument	2262693

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	PENSACOLA, FL 32501-3903

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 7, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 3, 2019
Property Address	1217 20TH ST, KEY WEST, FL 33040-4543
Document Number	0029671954
Book / Page	2967 / 1954
Map Reference	MB 4 PG 21
Instrument Date	May 31, 2019
Instrument	2222876
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,165.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1901, KEY WEST, FL 33041-1901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1217 20TH ST, KEY WEST, FL 33040-4543

Mortgage

Document Number	0029671956
Date	Jun 3, 2019
Instrument	2967-1956

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

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		$559,916	$735,087 Land $478,500 Building $256,587
2024	$4,578.00 (+1.82%)
2023	$4,496.00 (+4.58%) Senior Citizen's exemption	$528,289 (+3%)	$768,092 (+17.64%) Land $527,800 Building $240,292
2022	$4,299.00 Senior Citizen's exemption	$512,902	$652,910 Land $411,800 Building $241,110

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1217 20th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

The area around 1217 20th St has no burnable land within ember reach, so its wildfire risk is not rated.

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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