1409 4th St, Key West, FL 33040 Property Records

Monroe County property record for 1409 4th St, Key West, FL 33040

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,664 sqft · built 1976
Lot Size	0.23 acres (10,000 sqft)
Owner	Company Name on File
Last Sale	$1,100,000 (Aug 2026)
Tax Bill	$6,447 (2025)
Deeds & Mortgages	Aug 2026 Transfer Aug 2026 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00045530-000000`

Property Details

APN / Parcel Number

Primary APN	`00045530-000000`
Alternative APNs	`01010100045530000000` `1046124`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Units	2 Units
Stories	1 Story
Building Area	2,664 sqft Living Area
Gross Area	3,080 sqft
1st Floor Area	2,664 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2000
Architectural Style	Duplex Single
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 101 ft wide
Garage Type	Attached
Garage Area	416 sqft

Exterior Amenities

Pool Area	253 sqft
Porch	Slab
Porch Area	189 sqft
Deck Area	2,117 sqft
Patio Area	2,907 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1046124
Street Address	1409 4TH ST
City	KEY WEST
State	FL
Zip	33040-3762
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SF-2
Legal Description	KW KW REALTY COS FIRST SUB PB1-43 LOTS 13 - 14 SQR 5 TR 21 G11-151/53 OR412-61/62 OR1273-183/85 OR2187-2412 OR2598-1347/48ORD
Legal Range	25E
Legal Township	68S
Legal Section	04
Legal Subdivision	KEY WEST REALTY COS FIRST SUB
Legal Tract	21
Legal Block	5
Legal Lot Number	13-14
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	4
Census Block	4021
Census Tract	972200

Owner

1409 4th St, a duplex, is owned by a company that bought it in August 2026.

Source: Monroe County records, as of September 14, 2026

Owner of Record	Company Name on File
Mailing Address	2201 STAPLES AVE, KEY WEST, FL 33040-3845
Owner Type	Company
Vesting	Limited Liability Partnership

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
Aug 31, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 31, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Aug 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage BNY MELLON NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2026 · Amount on File
Deed Sale	Aug 31, 2026 · Amount on File
Prior Sale	Feb 21, 2006 · Amount on File
Deed Document Number	20262558963
Deed Book / Page	3400 / 1109
Prior Transfer Date	Aug 27, 2026
Prior Transfer Doc	0002558962
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Aug 31, 2026
Property Address	1409 4TH ST, KEY WEST, FL 33040-3762
Document Number	0002558962
Book / Page	3400 / 1107
Instrument Date	Aug 27, 2026
Instrument	20262558962
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3158 NORTHSIDE DR, 101, KEY WEST, FL 33040-8025

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 31, 2026
Property Address	1409 4TH ST, KEY WEST, FL 33040-3762
Document Number	0002558963
Book / Page	3400 / 1109
Instrument Date	Aug 27, 2026
Instrument	20262558963
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$777,700.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	2201 STAPLES AVE, KEY WEST, FL 33040-3845

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1409 4TH ST, KEY WEST, FL 33040-3762
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029780519
Date	Aug 2, 2019
Book Page	2978/0519
Instrument	2231193

Lender

Name	BNY MELLON NA
Type	Bank
Address	BOSTON, MA 02108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1409 4th St was $6,447, up 5.2% 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	$6,447.00 (+5.24%)	$688,158	$1,060,467 Land $649,900 Building $410,567
2024	$6,126.00 (+2.99%)
2023	$5,948.00 (+6.18%) Homeowner's exemption	$653,359 (+4.76%)	$1,020,924 (+8.85%) Land $609,700 Building $411,224
2022	$5,602.00 Homeowner's exemption	$623,683	$937,953 Land $522,600 Building $415,353

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

Flood

FEMA maps place 1409 4th 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 203 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 units insured incl. 3 condo units
Nearby Flood Claims	333 (1980–2025)
Claims Outside the SFHA	1 of 333
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 45 claims Hurricane Wilma, Oct 2005 · 199 claims Hurricane Georges, Sep 1998 · 40 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 1409 4th 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 592 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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