1720 Johnson St, Key West, FL 33040 Property Records

Monroe County property record for 1720 Johnson St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,872 sqft · built 1955
Lot Size	0.124 acres (5,412 sqft)
Owner	2 Individual Names on File
Last Sale	$699,000 (Oct 2017)
Tax Bill	$5,844 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00060550-000000`

Property Details

APN / Parcel Number

Primary APN	`00060550-000000`
Alternative APNs	`01010100060550000000` `1060984`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	1,872 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,412 sqft (0.124 acres)
Lot Dimensions	88 ft deep x 62 ft wide
Garage Type	Covered
Garage Area	508 sqft

Exterior Amenities

Pool Area	351 sqft
Porch	Open Porch
Porch Area	672 sqft
Deck Area	929 sqft
Patio Area	258 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1060984
Street Address	1720 JOHNSON ST
City	KEY WEST
State	FL
Zip	33040-4932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	KW LAND BUYERS ASSN PB1-22 ALL LOT 32 THE SWLY 1/2 OF LOT 33SQR 4 TR 29 OR266-133/134 OR957-412D/C OR955-1720 OR1352-969/970 OR1427-1171 OR2873-955/56
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KEY WEST LAND BUYERS ASSN
Legal Tract	29
Legal Block	4
Legal Lot Number	32,33
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1016
Census Tract	972000

Owner

1720 Johnson St is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1720 JOHNSON ST, KEY WEST, FL 33040-4932
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Feb 24, 2021	Deed of Trust, Mortgage · ARM THIRD FSLA OF CLEVELAND
Oct 2, 2017	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2017 · Amount on File
Deed Sale	Oct 2, 2017 · Amount on File
Prior Sale	Oct 24, 1996 · Amount on File
Deed Document Number	20172138553
Deed Book / Page	2873 / 955
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1720 JOHNSON ST, KEY WEST, FL 33040-4932
Transaction Type	Mortgage
Record Updated	May 21, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1720 JOHNSON ST, KEY WEST, FL 33040-4932

Mortgage

Document Number	0032730950
Date	Apr 29, 2024
Book Page	3273/950
Instrument	2459594

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	7007 BROADWAY AVE, CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2054

Interest

Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1720 JOHNSON ST, KEY WEST, FL 33040-4932
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030770850
Date	Feb 24, 2021
Book Page	3077/850
Instrument	2305315

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.84%
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.84%
Index	Prime Rate
Max Rate	8.84%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 2, 2017
Property Address	1720 JOHNSON ST, KEY WEST, FL 33040-4932
Document Number	0028730955
Book / Page	2873 / 0955
Map Reference	MB1 PG22
Instrument Date	Sep 29, 2017
Instrument	2138553
Transaction Type	Transfer
Record Updated	Dec 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,893.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5512 HOGAN LN, 5512, WINTER HAVEN, FL 33884-3603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5431, KEY WEST, FL 33045-5431

Mortgage

Document Number	0002138554
Date	Oct 2, 2017
Instrument	2138554

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1720 Johnson St was $5,844 with a homeowner's exemption, up 4.2% from the year before.

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	$5,844.00 (+4.21%) Homeowner's exemption	$683,498	$1,098,820 Land $800,976 Building $297,844
2024	$5,608.00 (+1.72%)
2023	$5,513.00 (+4.51%) Homeowner's exemption	$644,890 (+3%)	$1,107,857 (+29.41%) Land $829,389 Building $278,468
2022	$5,275.00 Homeowner's exemption	$626,107	$856,085 Land $589,908 Building $266,177

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

Flood

FEMA maps place 1720 Johnson 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 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 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

The area around 1720 Johnson 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 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 592 locations within half a mile, as of December 31, 2025

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