Monroe County property record for 1231 Flagler Ave, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,524 sqft · built 1950 |
| Lot Size | 0.104 acres (4,523 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,385,000 (Mar 2023) |
| Tax Bill | $9,541 (2025) |
| Deeds & Mortgages | May 2026 Transfer Jun 2023 Transfer + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00040510-000000 |
| Primary APN | 00040510-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,524 sqft Living Area |
| 1st Floor Area | 1,524 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,523 sqft (0.104 acres) |
| Lot Dimensions | 92 ft deep x 49 ft wide |
| Garage Type | Covered |
| Garage Area | 198 sqft |
| Pool Area | 153 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 76 sqft |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1041220 |
|---|---|
| Street Address | 1231 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 | KW TROPICAL BLDG AND INVESTMENT CO SUB PT LOT 8 SQR 1 TR 19 PB1-34 OR1-463 OR1337-1991 OR1433-456 OR2052-1799 OR2117-2453 OR2117-2455 OR2117-2457 OR2117-2459 OR2344-1669 OR2382-482 OR2674-2046 OR2726-1749 OR3046-1056 OR3216-0707 OR3231-1275 |
| 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 | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 972000 |
Source: Monroe County records, as of May 29, 2026
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 Company Names on Record |
|---|---|
| Mailing Address | 1231 FLAGLER AVE, KEY WEST, FL 33040-4919 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 19, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 26, 2023 | Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Sep 25, 2020 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2023 · Amount on Record |
| Deed Sale | Mar 20, 2023 · Amount on Record |
| Prior Sale | Sep 25, 2020 · Amount on Record |
| Deed Document Number | 20232410564 |
| Deed Book / Page | 3216 / 707 |
| Last Transfer Date | May 22, 2023 |
| Transfer Doc | 0002422814 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 19, 2026 |
| Property Address | 1231 FLAGLER AVE, KEY WEST, FL 33040-4919 |
| Document Number | 0002544003 |
| Book / Page | 3381 / 1565 |
| Instrument Date | May 18, 2026 |
| Instrument | 20262544003 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 1231 FLAGLER AVE, KEY WEST, FL 33040-4919 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 26, 2023 |
| Property Address | 1231 FLAGLER AVE, KEY WEST, FL 33040-4919 |
| Document Number | 0032311275 |
| Book / Page | 3231 / 1275 |
| Map Reference | MB 1 PG 34 |
| Instrument Date | May 22, 2023 |
| Instrument | 2422814 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19825 N COVE RD # RDB178, RDB178, CORNELIUS, NC 28031-6446 |
| Name | Verified Name |
|---|---|
| Address | 19825 N COVE RD # B178, B178, CORNELIUS, NC 28031-6446 |
| Mail Care Of | KERRY SHAFRAN |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 20, 2023 |
| Property Address | 1231 FLAGLER AVE, KEY WEST, FL 33040-4919 |
| Document Number | 0032160707 |
| Book / Page | 3216 / 707 |
| Map Reference | MB 1 PG 34 |
| Instrument Date | Mar 17, 2023 |
| Instrument | 2410564 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,695.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 26014 ESTATES RIDGE DR # DRDRIVE4, DRDRIVE4, SORRENTO, FL 32776-7751 |
| Name | Verified Name |
|---|---|
| Address | 19825 N COVE RD # B178, B178, CORNELIUS, NC 28031-6446 |
| Document Number | 0003216709 |
|---|---|
| Date | Mar 20, 2023 |
| Instrument | 3216/709 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.24% |
| Type Change Date | Apr 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.24% |
| Max Rate At Change | 11.2% |
| Index | 1-Year T-Bill |
| Max Rate | 11.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 25, 2020 |
| Property Address | 1231 FLAGLER AVE, KEY WEST, FL 33040-4919 |
| Document Number | 0030461056 |
| Book / Page | 3046 / 1056 |
| Map Reference | MB 1 PG 34 |
| Instrument Date | Sep 24, 2020 |
| Instrument | 2283279 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,880.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 825 WALNUT RIDGE RD, 825, BREVARD, NC 28712-4682 |
| Name | Verified Name |
|---|---|
| Address | 26014 ESTATES RIDGE DR, SORRENTO, FL 32776-7751 |
| Document Number | 0030461058 |
|---|---|
| Date | Sep 25, 2020 |
| Instrument | 3046/1058 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
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 | $9,541.00 (-6.39%) | $1,091,382 (-7.48%) Land $689,486 Building $401,896 | $1,091,382 (-7.48%) Land $689,486 Building $401,896 |
| 2024 | $10,192.00 (+4%) | $1,179,571 (+23.15%) Land $782,660 Building $396,911 | $1,179,571 (+23.15%) Land $782,660 Building $396,911 |
| 2023 | $7,280.00 (+14.41%) | $957,815 (+20.14%) Land $571,155 Building $386,660 | $957,815 (+20.14%) Land $571,155 Building $386,660 |
| 2022 | $6,363.00 | $797,274 Land $406,238 Building $391,036 | $797,274 Land $406,238 Building $391,036 |
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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