224 Olivia St, Key West, FL 33040 Property Records

Monroe County property record for 224 Olivia St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 693 sqft · built 1928
Lot Size	0.049 acres (2,135 sqft)
Owner	Individual Name on File
Last Sale	$1,269,000 (Dec 2022)
Tax Bill	$9,068 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Sep 2020 Line of Credit + 4 more
Flood Zone	Zone AE (high risk)
APN	`00014990-000000`

Property Details

APN / Parcel Number

Primary APN	`00014990-000000`
Alternative APNs	`01010100014990000000` `1015334`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	693 sqft Living Area
1st Floor Area	693 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2018
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,135 sqft (0.049 acres)
Lot Dimensions	61 ft deep x 35 ft wide
Porch	Open Porch
Porch Area	105 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1015334
Street Address	224 OLIVIA ST
City	KEY WEST
State	FL
Zip	33040-7376
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW PT LOT 1 SQR 4 TR 3 G75-227/28 OR307-184/85 OR321-556/57 OR440-315/16 OR961-2116 OR966-1280 OR2226-1709 OR2253-87 OR2348-409/10 OR2572-429 OR2577-2101 OR2789-2297 OR2815-372/73 OR2823-2364/65 OR2946-2412 OR3203-1381
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	C W TIFTS DIAGRAM
Legal Tract	3
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1017
Census Tract	972400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Key West Historic District (Boundary Increase) listed 1983 · 2,494 contributing resources · NRIS 83001430

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

224 Olivia St is owned by an individual who bought it in December 2022.

Source: Monroe County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	730 IRIS LN, MEDIA, PA 19063-5455
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
Dec 2, 2022	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
Sep 25, 2020	Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK
Apr 29, 2020	Loan Modification, Mortgage · Conventional Mortgage CARULLI RAYMOND F TRUST (PT)
Jan 28, 2020	Loan Modification, Mortgage · Conventional Mortgage RAYMOND F CARULLI TRUST (CT)
Aug 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage FISCAL & TACTICAL BEHAVIOR ADJ
Jan 31, 2019	Warranty Deed, Transfer · Construction Mortgage CARULLI R F DECLARATIO TR (PT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2022 · Amount on File
Deed Sale	Dec 2, 2022 · Amount on File
Prior Sale	Jan 31, 2019 · Amount on File
Deed Document Number	20222399381
Deed Book / Page	3203 / 1381
Prior Transfer Date	Sep 8, 2016
Prior Transfer Doc	0028150372
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 2, 2022
Property Address	224 OLIVIA ST, KEY WEST, FL 33040-7376
Document Number	0032031381
Book / Page	3203 / 1381
Instrument Date	Dec 1, 2022
Instrument	2399381
Transaction Type	Transfer
Record Updated	Dec 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,883.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 OLIVIA ST, KEY WEST, FL 33040-7376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 IRIS LN, MEDIA, PA 19063-5455

Mortgage

Document Number	0032031383
Date	Dec 2, 2022
Instrument	3203/1383

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	224 OLIVIA ST, KEY WEST, FL 33040-7376
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030461520
Date	Sep 25, 2020
Book Page	3046/1520
Instrument	2283432

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 23, 2030

Interest

Rate Type	Adjustable Rate

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	224 OLIVIA ST, KEY WEST, FL 33040-7376
Document Number	0030221594
Instrument Date	Apr 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	224 OLIVIA ST KEY WEST FL 330407376, KEY WEST, FL 33040-7376

Mortgage

Document Number	0030221594
Date	May 15, 2020
Book Page	003022/001594
Instrument	2266229

Lender

Name	CARULLI RAYMOND F TRUST (PT)

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 14, 2021

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	224 OLIVIA ST, KEY WEST, FL 33040-7376
Document Number	0030091294
Instrument Date	Jan 28, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	224 OLIVIA ST KEY WEST FL 330407376, KEY WEST, FL 33040-7376

Mortgage

Document Number	0030091294
Date	Feb 20, 2020
Book Page	003009/001294
Instrument	2256637

Lender

Name	RAYMOND F CARULLI TRUST (CT)

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	224 OLIVIA ST, KEY WEST, FL 33040-7376
Document Number	0029790831
Instrument Date	Aug 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 306 KEY WEST FL 330410306, KEY WEST, FL 33041-0306

Mortgage

Document Number	0029790831
Date	Aug 9, 2019
Book Page	002979/000831
Instrument	2232100

Lender

Name	FISCAL & TACTICAL BEHAVIOR ADJ
Address	402 APPLEROUTH LN, KEY WEST, FL 33040-6535

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 31, 2019
Property Address	224 OLIVIA ST, KEY WEST, FL 33040-7376
Document Number	0029462412
Book / Page	002946 / 002412
Instrument Date	Jan 30, 2019
Instrument	2203989
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	218 OLIVIA ST KEY WEST FL 330407376, KEY WEST, FL 33040-7376

Mortgage

Document Number	29462414
Date	Jan 31, 2019
Book Page	002946/002414
Instrument	2203990

Lender

Name	CARULLI R F DECLARATIO TR (PT)
Address	10525 SW GREEN RIDGE LN, PALM CITY, FL 34990-5056

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 30, 2020

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		$1,014,137 Land $619,492 Building $394,645	$1,014,137 Land $619,492 Building $394,645
2024	$9,068.00 (-1.14%)
2023	$9,173.00 (+96.76%)	$1,041,208 (+91.78%) Land $677,222 Building $363,986	$1,041,208 (+91.78%) Land $677,222 Building $363,986
2022	$4,662.00	$542,909 Land $410,774 Building $132,135	$542,909 Land $410,774 Building $132,135

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 224 Olivia 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	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 148 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	180 units insured incl. 32 condo units
Nearby Flood Claims	84 (1980–2022)
Claims Outside the SFHA	41 of 84
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 23 claims Hurricane Wilma, Oct 2005 · 30 claims Hurricane Georges, Sep 1998 · 18 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 224 Olivia 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 993 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	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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