1315 Whitehead St, Key West, FL 33040 Property Records

Monroe County property record for 1315 Whitehead St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,704 sqft · built 2017
Lot Size	0.044 acres (1,899 sqft)
Owner	Trust Name on File
Last Sale	$2,395,000 (Feb 2022)
Tax Bill	$18,404 (2025)
Deeds & Mortgages	May 2022 Mortgage Feb 2022 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`00036180-000100`

Property Details

APN / Parcel Number

Primary APN	`00036180-000100`
Alternative APN	`9104332`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,704 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2021
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,899 sqft (0.044 acres)
Porch	Slab

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	9104332
Street Address	1315 WHITEHEAD ST
City	KEY WEST
State	FL
Zip	33040-7528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HHDR
Legal Description	RESIDENTIAL UNIT 1 OF WHKW (A/K/A PT LT 6 SQR 3 TR 16 KW FILER BOYLE SUB N-476) OR2758-1625 OR2795-1649 OR2926-2008 OR3154-1192
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	WHKW
Legal Tract	16
Legal Lot Number	6
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2015
Census Tract	972400

Owner

1315 Whitehead St is held in a trust since February 2022.

Source: Monroe County records, as of May 4, 2026

Owner of Record	Trust Name on File
Mailing Address	10521 GLEN LAKES DR, ESTERO, FL 34135-7237
Owner Type	Company
Vesting	Trust, Revocable Trust

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 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Feb 10, 2022	Warranty Deed, Transfer ATTORNEY
Jun 7, 2019	Deed of Trust, Mortgage BANK OF NEW ENGLAND
Sep 12, 2018	Deed of Trust, Mortgage BANK OF NEW ENGLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2022 · Amount on File
Deed Sale	Feb 10, 2022 · Amount on File
Prior Sale	Sep 12, 2018 · Amount on File
Deed Document Number	20222360962
Deed Book / Page	3154 / 1192
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1315 WHITEHEAD ST, KEY WEST, FL 33040-7528
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6970 MISTY LAKE CT, FORT MYERS, FL 33908-4768

Mortgage

Document Number	0031752398
Date	May 26, 2022
Book Page	3175/2398
Instrument	2377238

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.62%
Max Rate At Change	7%
Index	Other
Max Rate	7%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 10, 2022
Property Address	1315 WHITEHEAD ST, KEY WEST, FL 33040-7528
Document Number	0031541192
Book / Page	3154 / 1192
Map Reference	MB 2795 PG 1649
Instrument Date	Feb 8, 2022
Instrument	2360962
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$16,765.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	65 VICTORIA ST, SOMERVILLE, MA 02144-1713

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6970 MISTY LAKE CT, FORT MYERS, FL 33908-4768

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1315 WHITEHEAD ST, KEY WEST, FL 33040-7528
Document Number	0029700115
Instrument Date	Jun 7, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	65-67 VICTORIA ST #65 SOMERVILLE MA 021441713, 65, SOMERVILLE, MA 02144-1713

Mortgage

Document Number	0029700115
Date	Jun 13, 2019
Book Page	002970/000115
Instrument	2224638

Lender

Name	BANK OF NEW ENGLAND
Type	Bank
Address	SALEM, NH 03079

Agreement

Amount	Amount on Record

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1315 WHITEHEAD ST, KEY WEST, FL 33040-7528
Document Number	0029262010
Instrument Date	Sep 12, 2018
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1111 LOCUST ST #5F PHILADELPHIA PA 191075872, 5F, PHILADELPHIA, PA 19107-5872

Mortgage

Document Number	0029262010
Date	Sep 12, 2018
Book Page	002926/002010
Instrument	2186434

Lender

Name	BANK OF NEW ENGLAND
Type	Bank
Address	31 PELHAM RD, SALEM, NH 03079-4892

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1315 Whitehead St was $18,404, up 1.3% from the year before.

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	$18,404.00 (+1.29%)	$2,168,959 Land $1,065,339 Building $1,103,620	$2,168,959 Land $1,065,339 Building $1,103,620
2024	$18,169.00 (+8.39%)
2023	$16,763.00 (+25.98%)	$1,948,913 (+25.08%) Land $913,241 Building $1,035,672	$1,948,913 (+25.08%) Land $913,241 Building $1,035,672
2022	$13,306.00	$1,558,189 Land $553,559 Building $1,004,630	$1,558,189 Land $553,559 Building $1,004,630

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

Flood

FEMA maps place 1315 Whitehead 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 180 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	228 units insured incl. 48 condo units
Nearby Flood Claims	253 (1980–2022)
Claims Outside the SFHA	16 of 253
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 28 claims Hurricane Wilma, Oct 2005 · 101 claims Hurricane Georges, Sep 1998 · 38 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 1315 Whitehead 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 95 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

May also be available: Verizon.

Nearby Properties on Whitehead St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures