1325 20th St, Key West, FL 33040 Property Records

Monroe County property record for 1325 20th St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,153 sqft · built 1963
Lot Size	0.13 acres (5,700 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Nov 2019)
Tax Bill	$7,900 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2022 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`00055130-000000`

Property Details

APN / Parcel Number

Primary APN	`00055130-000000`
Alternative APNs	`01010100055130000000` `1055719`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,153 sqft Living Area
1st Floor Area	1,153 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2012
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,700 sqft (0.13 acres)
Lot Dimensions	100 ft deep x 57 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	427 sqft
Deck Area	150 sqft
Patio Area	150 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1055719
Old Parcel Number	01010100055130000000
Street Address	1325 20TH ST
City	KEY WEST
State	FL
Zip	33040-4503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2 LT 11 KW PEARLMAN ESTATES FIRST ADDITION PB4-21 OR226-384/85 OR1279-1307/10 OR2706-775/ORD OR2739-1485D/C OR2739-1486/87
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	PEARLMAN ESTATES FIRST ADDITION
Legal Block	2
Legal Lot Number	11
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1015
Census Tract	971900

Owner

1325 20th St is owned and occupied by an individual who bought it in November 2019.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1325 20TH ST, KEY WEST, FL 33040-4503
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage HOMETAP EQUITY PARTNERS LLC
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Nov 27, 2019	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2019 · Amount on File
Deed Sale	Nov 27, 2019 · Amount on File
Prior Sale	Jun 3, 2016 · Amount on File
Deed Document Number	2246691
Deed Book / Page	2997 / 0221
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1325 20TH ST, KEY WEST, FL 33040-4503
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 20TH ST, KEY WEST, FL 33040-4503
Investor	Possibly a Property Investor

Mortgage

Document Number	0033501807
Date	Oct 23, 2025
Book Page	3350/1807
Instrument	2519837

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Mortgage Company
Address	BOSTON, MA 02116

Agreement

Amount	Amount on Record

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1325 20TH ST, KEY WEST, FL 33040-4503
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 20TH ST, KEY WEST, FL 33040-4503

Mortgage

Document Number	0031901686
Date	Aug 23, 2022
Book Page	3190/1686
Instrument	2388736

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 27, 2019
Property Address	1325 20TH ST, KEY WEST, FL 33040-4503
Document Number	0029970221
Book / Page	2997 / 0221
Map Reference	MB 4 PG 21
Instrument Date	Nov 27, 2019
Instrument	2246691
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1325 20TH ST, 1325, KEY WEST, FL 33040-4503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 20TH ST, KEY WEST, FL 33040-4503
Investor	Possibly a Property Investor

Mortgage

Document Number	0029970225
Date	Nov 27, 2019
Instrument	2997-0225

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$697,261 Land $474,953 Building $222,308	$697,261 Land $474,953 Building $222,308
2024	$7,900.00 (+5.11%)
2023	$7,516.00 (+9.88%)	$715,038 (+18.75%) Land $523,887 Building $191,151	$715,038 (+18.75%) Land $523,887 Building $191,151
2022	$6,840.00	$602,112 Land $408,747 Building $193,365	$602,112 Land $408,747 Building $193,365

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

Flood

FEMA maps place 1325 20th 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	7.0 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	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 1325 20th 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 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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