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1311 Olivia St, Key West, FL 33040 Property Records

Monroe County property record for 1311 Olivia St, Key West, FL 33040

Property Summary

Property TypeDuplex
Details3 bd · 3 ba · 2,022 sqft · built 1948
Lot Size0.092 acres (4,001 sqft)
OwnerIndividual Name on File
Last Sale$1,775,000 (Sep 2024)
Tax Bill$12,254 (2024)
Deeds & MortgagesSep 2022 Reverse Mortgage
Flood ZoneZone X (moderate risk)
APN00025090-000000

Property Details

APN / Parcel Number

Primary APN00025090-000000
Alternative APNs
  • 01010100025090000000
  • 1025879

Interior

Bedrooms3 Beds
Full Baths3 Baths
Units2 Units
Stories2 Stories
Building Area2,022 sqft Living Area
1st Floor Area300 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 2012
Architectural StyleDuplex Single
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area4,001 sqft (0.092 acres)

Exterior Amenities

PorchOpen Porch
Porch Area915 sqft
Patio Area650 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Account Number1025879
Street Address1311 OLIVIA ST
CityKEY WEST
StateFL
Zip33040-7222
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeHMDR
Legal DescriptionKW W C MALONEY DIAGRAM PB1-22 LOT 6 SQR 5 TR 7 OR41-360 OR587-377 OR819-474 OR3252-1494 OR3277-1187 OR3277-2312 OR3279-1623 OR3293-1065
Legal Range25E
Legal Township68S
Legal Section05
Legal SubdivisionTRUMAN AVE CONDO
Legal Tract7
Legal Lot Number6
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1013
Census Tract972800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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

1311 Olivia St, a duplex, is owned and occupied by an individual who bought it in September 2024.

Source: Monroe County records, as of March 24, 2026

Owner of RecordIndividual Name on File
Mailing Address1311 OLIVIA ST, KEY WEST, FL 33040-7222
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

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 SaleSep 20, 2024 · Amount on File
Deed SaleSep 20, 2024 · Amount on File
Prior SaleJun 7, 2024 · Amount on File
Deed Document Number20242475324
Deed Book / Page3293 / 1065
Record UpdatedOct 29, 2026

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1311 OLIVIA ST, KEY WEST, FL 33040-7222
Transaction TypeMortgage
Record UpdatedOct 14, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1311 OLIVIA ST, KEY WEST, FL 33040-7222

Mortgage

Document Number0031940944
DateSep 16, 2022
Book Page3194/944
Instrument2391622
Lender
NamePHH MORTGAGE SERVICES CORP
TypeMortgage Company
AddressRANCHO CORDOVA, CA 95670
Agreement
TypeReverse Mortgage
AmountAmount on Record
Term765 Months
DueJun 3, 2086
Interest
Rate TypeAdjustable Rate
Rate6.48%
AdjustableAdjustable Rate Rider
Type Change DateNov 1, 2022
Change FrequencyMonthly
Index1-Year CMT
Max Rate11.4%

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$1,382,991 Land $967,442 Building $415,549$1,382,991 Land $967,442 Building $415,549
2024$12,254.00 (+192.04%)
2023$4,196.00 (+8.34%) Senior Citizen's exemption$486,715 (+10.11%)$1,256,998 (+22.08%) Land $871,628 Building $385,370
2022$3,873.00 Senior Citizen's exemption$442,027$1,029,686 Land $636,279 Building $393,407

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1311 Olivia St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 156 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies167 units insured
incl. 11 condo units
Nearby Flood Claims5 (1998–2017)
Claims Outside the SFHA1 of 5
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 4 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 1311 Olivia 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 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 662 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
Verizon
Fixed Wireless		300 / 20

May also be available: Hotwire Communications.

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