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1309 20th Ter, Key West, FL 33040 Property Records

Monroe County property record for 1309 20th Ter, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,419 sqft · built 1958
Lot Size0.147 acres (6,382 sqft)
OwnerIndividual Name on File
Last Sale$425,000 (Apr 2020)
Tax Bill$4,380 (2024)
Deeds & MortgagesApr 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00055320-000000

Property Details

APN / Parcel Number

Primary APN00055320-000000
Alternative APN
  • 1055905

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,419 sqft Living Area
1st Floor Area1,419 sqft
FlooringConcrete/Cement
Interior WallsPlywood

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 2010
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,382 sqft (0.147 acres)
Garage TypeCovered
Garage Area444 sqft
PorchOpen Porch
Porch Area308 sqft
Patio Area144 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1055905
Street Address1309 20TH TER
CityKEY WEST
StateFL
Zip33040-4506
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF-2
Legal DescriptionKW PEARLMAN ESTATES FIRST ADDITION PB4-21 LOT 11 BLK 4 OR176-396 OR1175-446 OR1235-1331 OR1248-893/894 OR1652-2385 OR2386-345 OR3018-0178
Legal Range25E
Legal Township67S
Legal Section34
Legal SubdivisionPEARLMAN ESTATES FIRST ADDITION
Legal Block4
Legal Lot Number11
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1011
Census Tract971900

Owner

1309 20th Ter is owned and occupied by an individual who bought it in April 2020.

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

Owner of RecordIndividual Name on File
Mailing Address1309 20TH TER, KEY WEST, FL 33040-4506
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 14, 2020 · Amount on File
Deed SaleApr 14, 2020 · Amount on File
Prior SaleSep 13, 2000 · Amount on File
Deed Document Number20202263114
Deed Book / Page3018 / 178
Prior Transfer DateOct 6, 2008
Prior Transfer Doc0023860345
Record UpdatedJun 8, 2026

April 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONROE FL
Recording DateApr 14, 2020
Property Address1309 20TH TER, KEY WEST, FL 33040-4506
Document Number0030180178
Book / Page003018 / 000178
Instrument DateApr 9, 2020
Instrument2263114
Transaction TypeTransfer
Record UpdatedJun 29, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,975.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1024 17TH ST KEY WEST FL 330404235, KEY WEST, FL 33040-4235

Mortgage

Document Number30180185
DateApr 14, 2020
Book Page003018/000185
Instrument2263116
Lender
NameIBERIABANK
TypeBank
AddressLAFAYETTE, LA 70501
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueApr 13, 2050

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$530,006$763,989 Land $505,454 Building $258,535
2024$4,380.00 (+11.14%)
2023$3,941.00 (+4.56%) Homeowner's exemption$456,947 (+3%)$760,638 (+28.85%) Land $557,532 Building $203,106
2022$3,769.00 Homeowner's exemption$443,638$590,315 Land $434,997 Building $155,318

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

Flood

FEMA maps place 1309 20th Ter 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 532 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies721 units insured
incl. 189 condo units
Nearby Flood Claims473 (1980–2026)
Claims Outside the SFHA3 of 473
Most Recent ClaimJun 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 1309 20th Ter 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 RiskNot 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

ProviderMax 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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