Monroe County property record for 1603 Flagler Ave, Key West, FL 33040
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 1,288 sqft · built 1953 |
| Lot Size | 0.118 acres (5,141 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $740,000 (Jul 2021) |
| Tax Bill | $6,564 (2024) |
| Deeds & Mortgages | Dec 2025 Transfer Jul 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00042410-000000 |
| Primary APN | 00042410-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| 1st Floor Area | 1,288 sqft |
| Flooring | Plywood |
| Interior Walls | Wood |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Duplex Single |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,141 sqft (0.118 acres) |
| Lot Dimensions | 100 ft deep x 51 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 110 sqft |
| Deck Area | Deck Area |
| Patio Area | 498 sqft |
| Cooling System | HVAC |
|---|
| Account Number | 1043052 |
|---|---|
| Street Address | 1603 FLAGLER AVE |
| City | KEY WEST |
| State | FL |
| Zip | 33040-4969 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | SF-1 |
| Legal Description | KW MONROE INVESTMENT CO SUB PB1-41 LT 6 SQR 2 TR 20 G36-390/91 OR489-345/46 OR583-47 OR588-881 OR1530-96/98 OR2346-1586 OR2347-2098 OR2457-1863 OR2506-734/35 OR2737-1122/24 OR2751-1299/301 OR3116-0201 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 05 |
| Legal Subdivision | MONROE INVESTMENT CO |
| Legal Tract | 20 |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 972200 |
1603 Flagler Ave, a duplex, is owned and occupied by two individuals who bought it in July 2021.
Source: Monroe County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1603 FLAGLER AVE, KEY WEST, FL 33040-4969 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 10, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jul 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2021 · Amount on File |
| Deed Sale | Jul 29, 2021 · Amount on File |
| Prior Sale | Apr 27, 2015 · Amount on File |
| Deed Document Number | 20212332696 |
| Deed Book / Page | 3116 / 201 |
| Prior Transfer Date | Jan 1, 2015 |
| Prior Transfer Doc | 0027511299 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 10, 2025 |
| Property Address | 1603 FLAGLER AVE, KEY WEST, FL 33040-4969 |
| Document Number | 0033570778 |
| Book / Page | 3357 / 778 |
| Map Reference | MB I PG 41 |
| Instrument Date | Nov 24, 2025 |
| Instrument | 2525009 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1603 FLAGLER AVE, KEY WEST, FL 33040-4969 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 1603 FLAGLER AVE, KEY WEST, FL 33040-4969 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 29, 2021 |
| Property Address | 1603 FLAGLER AVE, KEY WEST, FL 33040-4969 |
| Document Number | 0031160201 |
| Book / Page | 3116 / 201 |
| Map Reference | MB 1 PG 41 |
| Instrument Date | Jul 29, 2021 |
| Instrument | 2332696 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,180.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 513 FLEMING ST STE 1, 513, KEY WEST, FL 33040-6861 |
| Name | Verified Name |
|---|---|
| Address | 1603 FLAGLER AVE, KEY WEST, FL 33040-4969 |
| Document Number | 0003116203 |
|---|---|
| Date | Jul 29, 2021 |
| Instrument | 3116/203 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $792,623 | $893,216 Land $614,781 Building $278,435 | |
| 2024 | $6,564.00 (+4.12%) | ||
| 2023 | $6,304.00 (+4.49%) Homeowner's exemption | $683,690 (+3%) | $843,257 (+27.04%) Land $636,589 Building $206,668 |
| 2022 | $6,033.00 Homeowner's exemption | $663,777 Land $452,778 Building $210,999 | $663,777 Land $452,778 Building $210,999 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1603 Flagler Ave 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 141 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 147 units insured incl. 6 condo units |
| Nearby Flood Claims | 312 (1980–2025) |
| Claims Outside the SFHA | 1 of 312 |
| Most Recent Claim | Feb 2025 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 1603 Flagler Ave 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.
Source: FCC Broadband Data Collection, based on 615 locations within half a mile, as of December 31, 2025
| Provider | Max 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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