1616 Bertha St, #2, Key West, FL 33040 Property Records

Monroe County property record for 1616 Bertha St, #2, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 802 sqft · built 1968
Lot Size	0.066 acres (2,871 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,075,000 (Dec 2025)
Tax Bill	$6,220 (2024)
Deeds & Mortgages	Dec 2025 Sale Mar 2024 Transfer + 6 more
Flood Zone	Zone AE (high risk)
APN	`00062650-000000`

Property Details

APN / Parcel Number

Primary APN	`00062650-000000`
Alternative APNs	`01010100062650000000` `1063053`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	802 sqft Living Area
1st Floor Area	802 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,871 sqft (0.066 acres)
Lot Dimensions	48 ft deep x 46 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	50 sqft
Deck Area	121 sqft
Patio Area	331 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1063053
Street Address	1616 BERTHA ST, 2
City	KEY WEST
State	FL
Zip	33040-5327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	KW DIAG PB1-13 PT LOT 9 SQR 3 TR 30 (A/K/A PARCEL A) OR179-284/285 OR300-223/224OR441-14/15 OR916-2192/2194 OR916-2198 OR934-2253/2254P/R PROB#84-208-CP-12 OR1729-450/451 OR1776-970/971 OR2019-2471/72 OR2846-1179/80 OR2910-2415 OR3225-0766 OR3265-079
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	WD CASH DIAGRAM
Legal Tract	30
Legal Lot Number	9
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1006
Census Tract	972000

Owner

Source: Monroe County records, as of January 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	6229 VOSSWOOD DR, NASHVILLE, TN 37205-3115
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 6, 2024	Intrafamily Transfer, Transfer
May 15, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage JAMES S HESLIN
Jun 8, 2018	Warranty Deed, Transfer · ARM FIFTH THIRD MORTGAGE CO
Dec 4, 2017	Trustee's Deed, Construction Loan · Construction Mortgage JAMES S HESLIN
Mar 30, 2017	Warranty Deed, Transfer · Conventional Mortgage CAPITAL BANK CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	May 15, 2023 · Amount on Record
Deed Document Number	20252526637
Deed Book / Page	3359 / 1532
Prior Transfer Date	Feb 20, 2024
Prior Transfer Doc	0032650794
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 23, 2025
Property Address	1616 BERTHA ST # 2, 2, KEY WEST, FL 33040-5327
Document Number	0033591532
Book / Page	3359 / 1532
Map Reference	MB 1 PG 13
Instrument Date	Dec 19, 2025
Instrument	2526637
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$7,525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14798 SOARING EAGLE CT, FORT MYERS, FL 33912-1825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6229 VOSSWOOD DR, NASHVILLE, TN 37205-3115

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Mar 6, 2024
Property Address	1616 BERTHA ST # 2, 2, KEY WEST, FL 33040-5327
Document Number	0032650794
Book / Page	3265 / 794
Map Reference	MB 1 PG 13
Instrument Date	Feb 20, 2024
Instrument	2453431
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1616 BERTHA ST # 2, 2, KEY WEST, FL 33040-5327

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1616 BERTHA ST # 2, 2, KEY WEST, FL 33040-5327

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 15, 2023
Property Address	1616 BERTHA ST # 2, 2, KEY WEST, FL 33040-5327
Document Number	0032250766
Book / Page	3225 / 766
Map Reference	MB 1 PG 13
Instrument Date	May 12, 2023
Instrument	2417908
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	555 NE 34TH ST # ST1603, ST1603, MIAMI, FL 33137-4022

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1616 BERTHA ST, KEY WEST, FL 33040-5327

Mortgage

Document Number	0003225769
Date	May 15, 2023
Instrument	3225/769

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1616 BERTHA ST # 2, 2, KEY WEST, FL 33040-5327
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1616 BERTHA ST, KEY WEST, FL 33040-5327

Mortgage

Document Number	0031350661
Date	Nov 2, 2021
Book Page	3135/661
Instrument	2346805

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1616 BERTHA ST # 2, 2, KEY WEST, FL 33040-5327
Document Number	0029190770
Instrument Date	Jul 6, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1616 BERTHA ST #1 KEY WEST FL 330405327, 1, KEY WEST, FL 33040-5327

Mortgage

Document Number	0029190770
Date	Jul 27, 2018
Book Page	002919/000770
Instrument	2179871

Lender

Name	JAMES S HESLIN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 8, 2018
Property Address	1616 BERTHA ST # 2, 2, KEY WEST, FL 33040-5327
Document Number	0029102415
Book / Page	2910 / 2415
Map Reference	MB1 PG13
Instrument Date	May 31, 2018
Instrument	2172769
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	FIRST INTL TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,613.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2500, KEY WEST, FL 33045-2500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6838 ROLFE AVE, NEW ALBANY, OH 43054-7596

Mortgage

Document Number	0002172772
Date	Jun 8, 2018
Instrument	2172772

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	9%

December 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE FL
Recording Date	Dec 4, 2017
Property Address	1616 BERTHA ST # 2, 2, KEY WEST, FL 33040-5327
Document Number	0028811330
Book / Page	002881 / 001330
Instrument Date	Dec 1, 2017
Instrument	2145955
Transaction Type	Construction Loan
Record Updated	Feb 20, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1616 BERTHA ST #2 KEY WEST FL 330405327, 2, KEY WEST, FL 33040-5327

Mortgage

Document Number	28811330
Date	Dec 4, 2017
Book Page	002881/001330
Instrument	2145955

Lender

Name	JAMES S HESLIN

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 3, 2018

Interest

Rate	1.2%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 30, 2017
Property Address	1616 BERTHA ST # 2, 2, KEY WEST, FL 33040-5327
Document Number	0028461179
Book / Page	2846 / 1179
Map Reference	MB1 PG13
Instrument Date	Mar 27, 2017
Instrument	2116647
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	FIRST INTERNANTIONAL TITLE I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2277 ROADRUNNER RD, 2277, SEDONA, AZ 86336-5334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1616 BERTHA ST, KEY WEST, FL 33040-5327

Mortgage

Document Number	0002116648
Date	Mar 30, 2017
Instrument	2116648

Lender

Name	CAPITAL BANK CORPORATION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Key West City
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$736,764 (+21.68%) Land $344,288 Building $392,476	$736,764 (-5.92%) Land $344,288 Building $392,476
2024	$6,220.00 (+19.98%)
2023	$5,184.00 (+4.54%) Homeowner's exemption	$605,501 (+3%)	$783,099 (+8.93%) Land $260,585 Building $522,514
2022	$4,959.00 Homeowner's exemption	$587,866	$718,880 Land $252,688 Building $466,192

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 325 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	339 units insured incl. 14 condo units
Nearby Flood Claims	769 (1980–2025)
Most Recent Claim	Feb 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 168 locations within half a mile, as of December 31, 2025

Provider	Max 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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