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1609 Josephine St, Key West, FL 33040 Property Records

Monroe County property record for 1609 Josephine St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 883 sqft · built 1958
Lot Size0.111 acres (4,840 sqft)
OwnerCompany Name on Record
Tax Bill$3,461 (2024)
Deeds & MortgagesJan 2018 Mortgage
Flood ZoneZone AE (high risk)
APN00062740-000000

Property Details

APN / Parcel Number

Primary APN00062740-000000
Alternative APNs
  • 01010100062740000000
  • 1063142

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area883 sqft Living Area
1st Floor Area883 sqft
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 2008
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area4,840 sqft (0.111 acres)
Lot Dimensions93 ft deep x 52 ft wide

Exterior Amenities

PorchOpen Porch
Porch Area18 sqft
Deck Area209 sqft
Patio Area329 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1063142
Street Address1609 JOSEPHINE ST
CityKEY WEST
StateFL
Zip33040-5337
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF-1
Legal DescriptionKW DIAG PB1-13 LT 18 SQR 3 TR 30 OR216-35-36 OR793-711D/C OR793-712/713 OR1035-1872/1873D/C OR1035-1874 OR1878-171 OR1878-172 OR1905-423 OR2348-151C/T OR2390-825/29 OR2390-830/34 OR2451-2446C/T OR2539-142/45F/J
Legal Range25E
Legal Township68S
Legal Section05
Legal SubdivisionKEY WEST SQUARE 03 TR 30
Legal Tract30
Legal Lot Number18
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1006
Census Tract972000

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 Address1609 JOSEPHINE ST, KEY WEST, FL 33040-5337
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 12, 2011
Deed SaleOct 12, 2011
Prior SaleFeb 8, 2010
Deed Book / Page2539 / 142
Last Transfer DateApr 23, 2025
Transfer Doc0033221564
Record UpdatedJun 8, 2026

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1609 JOSEPHINE ST, KEY WEST, FL 33040-5337
Document Number0028890360
Book / Page002889 / 000360
Instrument DateJan 18, 2018
Transaction TypeMortgage
Record UpdatedFeb 13, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address1609 JOSEPHINE ST KEY WEST FL 330405337, KEY WEST, FL 33040-5337

Mortgage

Document Number0028890360
DateJan 26, 2018
Book Page002889/000360
Instrument2152806
Lender
NameUS SMALL BUSN ADMN
AddressBIRMINGHAM, AL 35211
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 25, 2033

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$415,225 (+5.99%)$673,291 (+28.68%) Land $527,560 Building $145,731
2024$3,461.00 (+1.91%)
2023$3,396.00 (+5.11%) Homeowner's exemption$391,770 (+3.52%)$523,235 (+5.04%) Land $399,300 Building $123,935
2022$3,231.00 Homeowner's exemption$378,457$498,131 Land $387,200 Building $110,931

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 Elevation8.0 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 168 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL 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

May also be available: Hotwire Communications.

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