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1401 White St, Key West, FL 33040 Property Records

Monroe County property record for 1401 White St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,953 sqft · built 1989
Lot Size0.107 acres (4,675 sqft)
Owner2 Individual Names on Record
Last Sale$2,550,000 (May 2022)
Tax Bill$18,819 (2025)
Deeds & MortgagesAug 2026 Mortgage
May 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN00041540-000000

Property Details

APN / Parcel Number

Primary APN00041540-000000
Alternative APNs
  • 01010100041540000000
  • 1042218

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,953 sqft Living Area
1st Floor Area1,953 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2018
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area4,675 sqft (0.107 acres)
Lot Dimensions100 ft deep x 47 ft wide
Garage TypeCarport
CarportCarport

Exterior Amenities

Pool Area162 sqft
PorchOpen Porch
Porch Area732 sqft
Patio Area1,130 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1042218
Street Address1401 WHITE ST
CityKEY WEST
StateFL
Zip33040-4813
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeHMDR
Legal DescriptionKW TROPICAL BLDG AND INVESTMENT CO SUB LT 24 SQR 5 TR 19 PB1-34 B5-171 OR447-11/12 OR1553-2136/37 OR1840-198/99EST OR1880-1680/82 OR1893-1216/17 OR1920-147/50 OR1988-255/57 OR2535-1109/10 OR3174-0277
Legal Range25E
Legal Township68S
Legal Section05
Legal SubdivisionTROPICAL BUILDING AND INVESTMENT CO
Legal Tract19
Legal Lot Number24
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1021
Census Tract972200

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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1401 WHITE ST, KEY WEST, FL 33040-4813
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 28, 2026Deed of Trust, Mortgage · Conventional Mortgage
NEWREZ LLC
May 17, 2022Warranty Deed, Transfer · Conventional Mortgage
BANK OF AMERICA NA
Apr 11, 2019Deed of Trust, Mortgage · ARM
UBS BANK USA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 17, 2022 · Amount on Record
Deed SaleMay 17, 2022 · Amount on Record
Prior SaleSep 23, 2011 · Amount on Record
Deed Document Number20222375862
Deed Book / Page3174 / 277
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Recording DateAug 28, 2026
Property Address1401 WHITE ST, KEY WEST, FL 33040-4813
Document Number0002558694
Book / Page3400 / 499
Instrument DateAug 22, 2026
Instrument20262558694
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address1401 WHITE ST, KEY WEST, FL 33040-4813

Mortgage

Document Number0002558694,
DateAug 28, 2026
Book Page3400/499
Instrument20262558694
Lender
NameNEWREZ LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueSep 1, 2046
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 17, 2022
Property Address1401 WHITE ST, KEY WEST, FL 33040-4813
Document Number0031740277
Book / Page3174 / 277
Map ReferenceMB 1 PG 34
Instrument DateMay 10, 2022
Instrument2375862
Transaction TypeTransfer
Record UpdatedJun 3, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$17,850.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address613 COLONIAL AVE, 613, NORFOLK, VA 23507-1805

Transferred To (Grantee/Buyer)

NameVerified Name
Address1401 WHITE ST, KEY WEST, FL 33040-4813

Mortgage

Document Number0003174280
DateMay 17, 2022
Instrument3174/280
Lender
NameBANK OF AMERICA NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2052

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1401 WHITE ST, KEY WEST, FL 33040-4813
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyCOVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029581650
DateApr 11, 2019
Book Page2958/1650
Instrument2215154
Lender
NameUBS BANK USA
TypeBank
AddressSALT LAKE CITY, UT 84111
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueMay 1, 2049
Interest
Rate TypeAdjustable Rate
Rate3.75%
AdjustableAdjustable Rate Rider
Type Change DateMay 1, 2029
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change8.75%
Index1-Year LIBOR
Max Rate8.75%

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$18,819.00 (+3.22%) Homeowner's exemption$2,260,975 (+3.53%)$2,290,031 (+4.86%) Land $877,404 Building $1,412,627
2024$18,232.00 (-2.65%)
2023$18,728.00 (+66.98%)$2,183,947 (+43.07%) Land $915,552 Building $1,268,395$2,183,947 (+17.57%) Land $915,552 Building $1,268,395
2022$11,216.00 Senior Citizen's exemption$1,526,508$1,857,502 Land $690,479 Building $1,167,023

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

Flood

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 Elevation6.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 178 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies187 units insured
incl. 9 condo units
Nearby Flood Claims138 (1980–2017)
Claims Outside the SFHA8 of 138
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 12 claims
  • Hurricane Wilma, Oct 2005 · 98 claims
  • Hurricane Georges, Sep 1998 · 14 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

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 615 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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