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1550 4th St, Key West, FL 33040 Property Records

Monroe County property record for 1550 4th St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,092 sqft · built 1968
Lot Size0.119 acres (5,184 sqft)
Owner2 Individual Names on File
Last Sale$875,000 (Mar 2024)
Tax Bill$6,341 (2024)
Deeds & MortgagesMar 2024 Sale
Aug 2021 Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN00064040-000000

Property Details

APN / Parcel Number

Primary APN00064040-000000
Alternative APN
  • 1064459

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,092 sqft Living Area
1st Floor Area1,092 sqft
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 2014
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,184 sqft (0.119 acres)
Lot Dimensions96 ft deep x 54 ft wide

Exterior Amenities

Pool Area286 sqft
PorchOpen Porch
Porch Area329 sqft
Patio Area2,033 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Account Number1064459
Street Address1550 4TH ST
CityKEY WEST
StateFL
Zip33040-5104
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF-2
Legal DescriptionLT 46 KW SER-DEB ESTATES PB5-87 OR389-52 OR557-900 OR797-803/04 OR926-2034 OR1165-1761R/S OR1654-2317/19C/T OR1688-1209 OR2033-2060/62 OR2054-2167F/J OR2515-1693 OR3096-1099 OR3268-0016
Legal Range25E
Legal Township68S
Legal Section04
Legal SubdivisionSER-DEB ESTATES
Legal Lot Number46
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group3
Census Block3001
Census Tract972000

Owner

1550 4th St is owned and occupied by two individuals who bought it in March 2024.

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

Owner of Record2 Individual Names on File
Mailing Address1550 4TH ST, KEY WEST, FL 33040-5104
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

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

DateDocument
Mar 22, 2024Warranty Deed, Transfer
Aug 16, 2021Deed of Trust, Mortgage · Conventional Mortgage
FIRST HORIZON BANK
May 11, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 22, 2024 · Amount on File
Deed SaleMar 22, 2024 · Amount on File
Prior SaleMay 11, 2021 · Amount on File
Deed Document Number20242455491
Deed Book / Page3268 / 16
Prior Transfer DateApr 13, 2011
Prior Transfer Doc0025151693
Record UpdatedJun 8, 2026

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMar 22, 2024
Property Address1550 4TH ST, KEY WEST, FL 33040-5104
Document Number0032680016
Book / Page3268 / 16
Map ReferenceMB 5 PG 87
Instrument DateMar 14, 2024
Instrument2455491
Transaction TypeTransfer
Record UpdatedMay 15, 2024

Transaction

AmountAmount on Record
Tax$6,125.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12100 BROOKFIELD CLUB DR, ROSWELL, GA 30075-1264

Transferred To (Grantee/Buyer)

NameVerified Name
Address1550 4TH ST, KEY WEST, FL 33040-5104

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1550 4TH ST, KEY WEST, FL 33040-5104
Transaction TypeMortgage
Record UpdatedAug 31, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0031191931
DateAug 16, 2021
Book Page3119/1931
Instrument2335330
Lender
NameFIRST HORIZON BANK
TypeBank
AddressMEMPHIS, TN 38103
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 11, 2021
Property Address1550 4TH ST, KEY WEST, FL 33040-5104
Document Number0030961099
Book / Page3096 / 1099
Map ReferenceMB 5 PG 87
Instrument DateMay 7, 2021
Instrument2318825
Transaction TypeTransfer
Record UpdatedMay 28, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$4,893.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1550 4TH ST, 1550, KEY WEST, FL 33040-5104

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address1550 4TH ST, KEY WEST, FL 33040-5104

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$731,999 Land $460,961 Building $271,038$731,999 Land $460,961 Building $271,038
2024$6,341.00 (+8.99%)
2023$5,818.00 (+0.85%)$640,058 (-0.77%) Land $415,135 Building $224,923$640,058 (-0.77%) Land $415,135 Building $224,923
2022$5,769.00$645,017 Land $415,135 Building $229,882$645,017 Land $415,135 Building $229,882

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

Flood

FEMA maps place 1550 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 89 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies315 units insured
incl. 226 condo units
Nearby Flood Claims254 (1980–2022)
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 25 claims
  • Hurricane Wilma, Oct 2005 · 117 claims
  • Hurricane Georges, Sep 1998 · 45 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 1550 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 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 324 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
T-Mobile
Fixed Wireless		100 / 20

May also be available: Hotwire Communications, Verizon.

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