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1428 White St, Key West, FL 33040 Property Records

Monroe County property record for 1428 White St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,680 sqft · built 2000
Lot Size0.101 acres (4,387 sqft)
OwnerCompany Name on Record
Last Sale$1,012,500 (Feb 2015)
Tax Bill$12,704 (2024)
Deeds & MortgagesOct 2021 Transfer
Aug 2020 Mortgage
Flood ZoneZone AE (high risk)
APN00038680-000000

Property Details

APN / Parcel Number

Primary APN00038680-000000
Alternative APNs
  • 01010100038680000000
  • 1039420

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,680 sqft Living Area
1st Floor Area1,680 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2010
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area4,387 sqft (0.101 acres)
Lot Dimensions90 ft deep x 49 ft wide

Exterior Amenities

Pool Area288 sqft
PorchOpen Porch
Porch Area878 sqft
Deck Area126 sqft
Patio Area1,288 sqft
Water FeatureWater Feature

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1039420
Street Address1428 WHITE ST
CityKEY WEST
StateFL
Zip33040-4800
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF-1
Legal DescriptionKW WEBB REALTY CO SUB PB1-42 LOT 2 SQR 3 TR 18 G68-2 OR1177-115/18 OR1178-334/35 OR1331-869/70 OR1337-1974/75 OR1643-795/97 OR1912-731/33 OR2661-1793 OR2661-1796/98 OR2723-2427/28 OR3131-2443
Legal Range25E
Legal Township68S
Legal Section05
Legal SubdivisionTHE WEBB REALTY CO
Legal Tract18
Legal Lot Number2
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group4
Census Block4004
Census Tract972800

Owner

Source: Monroe County records, as of December 8, 2025

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

Owner of RecordCompany Name on Record
Mailing Address1428 WHITE ST, KEY WEST, FL 33040-4800
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Oct 15, 2021Intrafamily Transfer, Transfer
ACCOMMODATION
Aug 19, 2020Deed of Trust, Mortgage · Conventional Mortgage
INDEPENDENT BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 9, 2015 · Amount on Record
Deed SaleFeb 9, 2015 · Amount on Record
Prior SaleDec 6, 2013 · Amount on Record
Deed Document Number2015209
Deed Book / Page2723 / 2427
Last Transfer DateOct 2, 2021
Transfer Doc0031312443
Record UpdatedJun 8, 2026

October 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateOct 15, 2021
Property Address1428 WHITE ST, KEY WEST, FL 33040-4800
Document Number0031312443
Book / Page3131 / 2443
Map ReferenceMB 1 PG 42
Instrument DateOct 2, 2021
Instrument2344324
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1428 WHITE ST, KEY WEST, FL 33040-4800

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1428 WHITE ST, KEY WEST, FL 33040-4800
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0030381726
DateAug 19, 2020
Book Page3038/1726
Instrument2278005
Lender
NameINDEPENDENT BANK
TypeBank
AddressMCKINNEY, TX 75069
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term301 Months
DueSep 1, 2045

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$1,749,877 (+3.29%) Land $831,424 Building $918,453$1,749,877 (+3.29%) Land $831,424 Building $918,453
2024$12,704.00 (+4%)
2023$12,215.00 (+16.29%)$1,694,122 (+24.3%) Land $867,573 Building $826,549$1,694,122 (+24.3%) Land $867,573 Building $826,549
2022$10,504.00$1,362,899 Land $654,295 Building $708,604$1,362,899 Land $654,295 Building $708,604

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 349 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies405 units insured
incl. 56 condo units
Nearby Flood Claims45 (1994–2025)
Claims Outside the SFHA2 of 45
Most Recent ClaimFeb 2025 · rainfall accumulation
Claims by Event
  • Hurricane Ian, Sep 2022 · 14 claims
  • Hurricane Irma, Sep 2017 · 4 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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