2108 Harris Ave, Key West, FL 33040 Property Records

Monroe County property record for 2108 Harris Ave, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,266 sqft · built 1950
Lot Size	0.114 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (May 2021)
Tax Bill	$5,536 (2024)
Deeds & Mortgages	May 2021 Mortgage May 2021 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`00047620-000000`

Property Details

APN / Parcel Number

Primary APN	`00047620-000000`
Alternative APNs	`01010100047620000000` `1048232`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,266 sqft Living Area
1st Floor Area	1,266 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2015
Exterior Material	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	280 sqft
Deck Area	320 sqft
Patio Area	320 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1048232
Old Parcel Number	01010100047620000000
Street Address	2108 HARRIS AVE
City	KEY WEST
State	FL
Zip	33040-3725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KW KW REALTY COS FIRST SUB PB1-43 LT 10 SQR 21 TR 21 C5-337/38 G47-418 OR292-486/87 OR850-858 OR2560-1706/07 OR2929-0836
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KEY WEST REALTY CO FIRST SUB
Legal Tract	21
Legal Lot Number	10
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	4
Census Block	4013
Census Tract	972200

Owner

Source: Monroe County records, as of December 5, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	2108 HARRIS AVE, KEY WEST, FL 33040-3725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 19, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 4, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Mar 22, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Oct 1, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 19, 2021 · Amount on Record
Deed Sale	May 19, 2021 · Amount on Record
Prior Sale	Oct 1, 2018 · Amount on Record
Deed Document Number	2320477
Deed Book / Page	3098 / 1549
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2108 HARRIS AVE, KEY WEST, FL 33040-3725
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030981561
Date	May 19, 2021
Book Page	3098/1561
Instrument	2320481

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 19, 2021
Property Address	2108 HARRIS AVE, KEY WEST, FL 33040-3725
Document Number	0030981549
Book / Page	3098 / 1549
Map Reference	MB 1 PG 43
Instrument Date	May 17, 2021
Instrument	2320477
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$4,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1014 WHITE ST, 1014, KEY WEST, FL 33040-3688

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12825 5TH ISLE, HUDSON, FL 34667-1983

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2108 HARRIS AVE, KEY WEST, FL 33040-3725
Document Number	0029702365
Instrument Date	Jun 4, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1608 WASHINGTON ST KEY WEST FL 330404914, KEY WEST, FL 33040-4914

Mortgage

Document Number	0029702365
Date	Jun 19, 2019
Book Page	002970/002365
Instrument	2225486

Lender

Name	BRANCH BK&TR
Type	Bank
Address	KEY WEST, FL 33040-4133

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2108 HARRIS AVE, KEY WEST, FL 33040-3725
Document Number	0029561385
Instrument Date	Mar 22, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1014 WHITE ST #7 KEY WEST FL 330403387, 7, KEY WEST, FL 33040-3387

Mortgage

Document Number	0029561385
Date	Apr 1, 2019
Book Page	002956/001385
Instrument	2213497

Lender

Name	BRANCH BK&TR
Type	Bank
Address	KEY WEST, FL 33040-4133

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 31, 2039

Interest

Rate Type	Adjustable Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 1, 2018
Property Address	2108 HARRIS AVE, KEY WEST, FL 33040-3725
Document Number	0029290836
Book / Page	002929 / 000836
Instrument Date	Sep 28, 2018
Instrument	2188579
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,642.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1014 WHITE ST KEY WEST FL 330403387, KEY WEST, FL 33040-3387

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$674,526 (+2.32%)	$730,535 (+7.1%) Land $485,000 Building $245,535
2024	$5,536.00 (-1.6%)
2023	$5,626.00 (+8.05%) Homeowner's exemption	$659,252 (+6.69%)	$682,081 (+10.39%) Land $455,000 Building $227,081
2022	$5,207.00 Homeowner's exemption	$617,888 Land $390,000 Building $227,888	$617,888 Land $390,000 Building $227,888

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 203 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 units insured incl. 3 condo units
Nearby Flood Claims	333 (1980–2025)
Claims Outside the SFHA	1 of 333
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 45 claims Hurricane Wilma, Oct 2005 · 199 claims Hurricane Georges, Sep 1998 · 40 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 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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