Monroe County property record for 1323 20th Ter, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,474 sqft · built 1963 |
| Lot Size | 0.147 acres (6,405 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,932 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00055350-000000 |
| Primary APN | 00055350-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 2,474 sqft Living Area |
| 1st Floor Area | 2,474 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,405 sqft (0.147 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,063 sqft |
| Patio Area | 375 sqft |
| Fence | Fence |
| Water Feature | Water Feature |
| Cooling System | None |
|---|
| Account Number | 1055930 |
|---|---|
| Old Parcel Number | 01010100055350000000 |
| Street Address | 1323 20TH TER |
| City | KEY WEST |
| State | FL |
| Zip | 33040-4506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 4 LOT 14 KW PEARLMAN ESTATES FIRST ADDITION PB4-21 OR136-300 OR822-446 OR1257-102 OR3062-900 |
| Legal Range | 25E |
| Legal Township | 67S |
| Legal Section | 34 |
| Legal Subdivision | PEARLMAN ESTATES FIRST ADDITION |
| Legal Block | 4 |
| Legal Lot Number | 14 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 971900 |
1323 20th Ter is owned and occupied by an individual who acquired it in October 2020.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1323 20TH TER, KEY WEST, FL 33040-4506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2020 |
| Deed Sale | Oct 1, 2020 |
| Deed Document Number | 0003062900 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 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 | $229,235 | $840,075 Land $507,276 Building $332,799 | |
| 2024 | $1,932.00 (+2.38%) | ||
| 2023 | $1,887.00 (+2.72%) Senior Citizen's exemption | $216,287 (+3%) | $866,226 (+16.55%) Land $559,541 Building $306,685 |
| 2022 | $1,837.00 Senior Citizen's exemption | $209,988 | $743,250 Land $436,565 Building $306,685 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1323 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 Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 532 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 721 units insured incl. 189 condo units |
| Nearby Flood Claims | 473 (1980–2026) |
| Claims Outside the SFHA | 3 of 473 |
| Most Recent Claim | Jun 2026 · other causes |
| 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.
The area around 1323 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 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 305 locations within half a mile, as of December 31, 2025
| Provider | Max 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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