Monroe County property record for 1223 Flagler Ave, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,260 sqft · built 1958 |
| Lot Size | 0.105 acres (4,563 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,550,000 (Nov 2025) |
| Tax Bill | $10,607 (2024) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Jan 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00040490-000000 |
| Primary APN | 00040490-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,260 sqft Living Area |
| 1st Floor Area | 2,260 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,563 sqft (0.105 acres) |
| Garage Type | Carport |
| Garage Area | 280 sqft |
| Carport | Carport |
| Carport Area | 280 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 215 sqft |
| Deck Area | Deck Area |
| Patio Area | 796 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1041203 |
|---|---|
| Street Address | 1223 FLAGLER AVE |
| City | KEY WEST |
| State | FL |
| Zip | 33040-4919 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF-1 |
| Legal Description | BK 1 LT 6 TRACT 19 KW TROPICAL BLDG AND INVESTMENT CO SUB PB1-34 OR129-344/46 OR544-191 OR792-1156 OR914-1841 OR1411-1758 OR1629-526 OR1633-2291 OR2415-1550 OR2705-788/89 OR3070-2058 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 05 |
| Legal Subdivision | TROPICAL BUILDING AND INVESTMENT CO |
| Legal Tract | 19 |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 972000 |
Source: Monroe County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1007 SHUNPIKE RD, CAPE MAY, NJ 08204-4143 |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Nov 4, 2025 | Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Jan 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2025 · Amount on Record |
| Deed Sale | Nov 4, 2025 · Amount on Record |
| Prior Sale | Jan 25, 2021 · Amount on Record |
| Deed Document Number | 20252521128 |
| Deed Book / Page | 3352 / 818 |
| Transfer Doc | 1411001758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 4, 2025 |
| Property Address | 1223 FLAGLER AVE, KEY WEST, FL 33040-4919 |
| Document Number | 0033520818 |
| Book / Page | 3352 / 818 |
| Map Reference | MB 1 PG 34 |
| Instrument Date | Nov 4, 2025 |
| Instrument | 2521128 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2025 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,850.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 223 N SAINT ASAPH ST, ALEXANDRIA, VA 22314-2516 |
| Name | Verified Name |
|---|---|
| Address | 1007 SHUNPIKE RD, CAPE MAY, NJ 08204-4143 |
| Document Number | 0003352820 |
|---|---|
| Date | Nov 4, 2025 |
| Instrument | 3352/820 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 25, 2021 |
| Property Address | 1223 FLAGLER AVE, KEY WEST, FL 33040-4919 |
| Document Number | 0030702058 |
| Book / Page | 3070 / 2058 |
| Map Reference | MB 1 PG 34 |
| Instrument Date | Jan 21, 2021 |
| Instrument | 2300675 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,720.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9820 BROOKS HALL PL, 9820, RICHMOND, VA 23238-5550 |
| Name | Verified Name |
|---|---|
| Address | 1138 N IVANHOE ST, ARLINGTON, VA 22205-2445 |
| Document Number | 0030702060 |
|---|---|
| Date | Jan 25, 2021 |
| Instrument | 3070/2060 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,196,235 (+0.14%) Land $695,584 Building $500,651 | $1,196,235 (+0.14%) Land $695,584 Building $500,651 | |
| 2024 | $10,607.00 (+7.24%) | ||
| 2023 | $9,891.00 (+14.56%) | $1,194,544 (+20.4%) Land $720,258 Building $474,286 | $1,194,544 (+20.4%) Land $720,258 Building $474,286 |
| 2022 | $8,634.00 | $992,119 Land $512,288 Building $479,831 | $992,119 Land $512,288 Building $479,831 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 325 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 339 units insured incl. 14 condo units |
| Nearby Flood Claims | 769 (1980–2025) |
| Most Recent Claim | Feb 2025 · rainfall accumulation |
| Claims by Event |
|
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.
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.
Source: FCC Broadband Data Collection, based on 615 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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