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1606 Flagler Ave, Key West, FL 33040 Property Records

Monroe County property record for 1606 Flagler Ave, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,118 sqft · built 1933
Lot Size0.083 acres (3,608 sqft)
Owner2 Individual Names on Record
Last Sale$905,000 (Aug 2026)
Tax Bill$6,400 (2025)
Deeds & MortgagesAug 2026 Sale & Mortgage
Jan 2024 Reverse Mortgage
+ 4 more
Flood ZoneZone AE (high risk)
APN00060700-000000

Property Details

APN / Parcel Number

Primary APN00060700-000000
Alternative APNs
  • 01010100060700000000
  • 1061131

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,118 sqft Living Area
1st Floor Area1,118 sqft
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 1933
Effective Year BuiltEffective 2020
Exterior MaterialWood
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area3,608 sqft (0.083 acres)
Lot Dimensions88 ft deep x 41 ft wide
PorchPorch
Porch Area156 sqft
Patio Area144 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Account Number1061131
Street Address1606 FLAGLER AVE
CityKEY WEST
StateFL
Zip33040-4925
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF-1
Legal DescriptionLT 4 SQR 1 TR 29 KW NUEVO PROG PB1-23 G24-189 OR565-502 OR1070-1764 OR1053-568 OR1072-529 OR1217-2230 OR1401-252 OR1452-1505 OR2192-936 OR2451-419 OR2631-481 OR2631-483 OR2652-1294 OR2692-256 OR2844-2293 OR3220-1296 OR3283-1917
Legal Range25E
Legal Township68S
Legal Section05
Legal SubdivisionSQUARE ONE
Legal Tract29
Legal Lot Number4
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1008
Census Tract972000

Owner

Source: Monroe County records, as of August 18, 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 Address1606 FLAGLER AVE, KEY WEST, FL 33040-4925
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

Deeds, Mortgages & Sale History

DateDocument
Aug 10, 2026Warranty Deed, Transfer · Conventional Mortgage
AMERICAN FINANCIAL
Jan 9, 2024Deed of Trust, Mortgage · Reverse Mortgage
BANK OF AMERICA NA
Apr 13, 2023Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Oct 21, 2021Deed of Trust, Mortgage · Line of Credit
US BANK NA
Nov 13, 2020Deed of Trust, Mortgage
CENTENNIAL BK
Mar 22, 2017Warranty Deed, Transfer · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 10, 2026 · Amount on Record
Deed SaleAug 10, 2026 · Amount on Record
Prior SaleMar 22, 2017 · Amount on Record
Deed Document Number20262555855
Deed Book / Page3396 / 2395
Prior Transfer DateJul 8, 2024
Prior Transfer Doc0032831917
Record UpdatedSep 20, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateAug 10, 2026
Property Address1606 FLAGLER AVE, KEY WEST, FL 33040-4925
Document Number0002555855
Book / Page3396 / 2395
Instrument DateAug 7, 2026
Instrument20262555855
Transaction TypeTransfer
Record UpdatedAug 18, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$639,835.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1606 FLAGLER AVE, KEY WEST, FL 33040-4925

Mortgage

Document Number0002555856,
DateAug 10, 2026
Instrument20262555856
Lender
NameAMERICAN FINANCIAL
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeFixed Rate
Rate6.49%
Initial TypeFixed Rate
Max Rate-1%

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1606 FLAGLER AVE, KEY WEST, FL 33040-4925
Transaction TypeMortgage
Record UpdatedJan 24, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address411 WALNUT ST 18731, 18731, GREEN COVE SPRINGS, FL 32043-3443

Mortgage

Document Number0032572420
DateJan 9, 2024
Book Page3257/2420
Instrument2447299
Lender
NameBANK OF AMERICA NA
TypeBank
Address100 N TRYON ST, CHARLOTTE, NC 28202
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term360 Months
DueJan 4, 2054

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateApr 13, 2023
Property Address1606 FLAGLER AVE, KEY WEST, FL 33040-4925
Document Number0032201296
Book / Page3220 / 1296
Map ReferenceMB 1 PG 23
Instrument DateApr 13, 2023
Instrument2413966
Transaction TypeTransfer
Record UpdatedDec 8, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$6,720.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2710 SEIDENBERG AVE, KEY WEST, FL 33040-3960

Transferred To (Grantee/Buyer)

NameVerified Name
Address1606 FLAGTER AVENUE, KEY WEST, FL 33040-4925

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1606 FLAGLER AVE, KEY WEST, FL 33040-4925
Transaction TypeMortgage
Record UpdatedNov 3, 2021
Title CompanyRADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address1606 PLAGUER AVE, KEY WEST, FL 33040

Mortgage

Document Number0031321934
DateOct 21, 2021
Book Page3132/1934
Instrument2344912
Lender
NameUS BANK NA
TypeBank
AddressCINCINNATI, OH 45202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueOct 20, 2051
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1606 FLAGLER AVE, KEY WEST, FL 33040-4925
Document Number0030571932
Instrument DateNov 13, 2020
Transaction TypeMortgage
Record UpdatedApr 30, 2021
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address1606 FLAGLER AVE KEY WEST FL 330404925, KEY WEST, FL 33040-4925

Mortgage

Document Number0030571932
DateNov 19, 2020
Book Page003057/001932
Instrument2291495
Lender
NameCENTENNIAL BK
TypeBank
AddressCONWAY, AR 72033
Agreement
AmountAmount Recorded
Term360 Months
DueNov 18, 2050
Interest
Rate TypeAdjustable Rate
Rate4.12%

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMar 22, 2017
Property Address1606 FLAGLER AVE, KEY WEST, FL 33040-4925
Document Number0028442293
Book / Page2844 / 2293
Instrument DateMar 13, 2017
Instrument2115309
Transaction TypeTransfer
Record UpdatedDec 21, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$837.90
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1606 FLAGLER AVE, 1606, KEY WEST, FL 33040-4925

Transferred To (Grantee/Buyer)

NameVerified Name
Address1606 FLAGLER AVE, KEY WEST, FL 33040-4925

Mortgage

Document Number0002115308
DateMar 22, 2017
Instrument2115308
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueApr 1, 2037

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$6,400.00 (-5.49%)$751,063 (+117.91%) Land $461,362 Building $289,701$751,063 (+13.04%) Land $461,362 Building $289,701
2024$6,772.00 (+125.58%)
2023$3,002.00 (+4.64%) Homeowner's exemption$344,666 (+3%)$664,446 (+39.86%) Land $477,728 Building $186,718
2022$2,869.00 Homeowner's exemption$334,628$475,088 Land $339,787 Building $135,301

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 325 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies339 units insured
incl. 14 condo units
Nearby Flood Claims769 (1980–2025)
Most Recent ClaimFeb 2025 · rainfall accumulation
Claims by Event
  • Hurricane Ian, Sep 2022 · 88 claims
  • Hurricane Wilma, Oct 2005 · 313 claims
  • Hurricane Georges, Sep 1998 · 134 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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