2320 Harris Ave, Key West, FL 33040 Property Records

Monroe County property record for 2320 Harris Ave, Key West, FL 33040

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,489 sqft · built 1946
Lot Size	0.116 acres (5,061 sqft)
Owner	2 Individual Names on File
Last Sale	$885,000 (Mar 2022)
Tax Bill	$7,499 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00047920-000000`

Property Details

APN / Parcel Number

Primary APN	`00047920-000000`
Alternative APNs	`01010100047920000000` `1048534`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Units	2 Units
Stories	1 Story
Building Area	1,489 sqft Living Area
1st Floor Area	1,489 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1946
Effective Year Built	Effective 2015
Architectural Style	Duplex Single
Exterior Material	Stucco/Wood Frame
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,061 sqft (0.116 acres)
Lot Dimensions	76 ft deep x 50 ft wide

Exterior Amenities

Pool Area	104 sqft
Porch	Unfinished Open Porch
Porch Area	422 sqft
Deck Area	Deck Area
Patio Area	1,114 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1048534
Street Address	2320 HARRIS AVE
City	KEY WEST
State	FL
Zip	33040-3849
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SF-2
Legal Description	KW KW REALTY COS FIRST SUB PB1-43 LOT 14 & PT LOT 15 SQR 23 TR 21 OR230-214/15 OR462-497/498 OR492-408/409 OR1043-152 OR1088-1122/23 OR1385-739 OR1385-740/743 OR1385-744/747 OR1464-369/370 OR1891-287/288 OR2215-1484/86R/S OR2406-417/419 OR2940-0376 O
Legal Range	25E
Legal Township	68S
Legal Section	04
Legal Subdivision	KEY WEST REALTY COS FIRST SUB
Legal Tract	21
Legal Block	23
Legal Lot Number	14,15
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	4
Census Block	4008
Census Tract	972200

Owner

2320 Harris Ave, a duplex, is owned and occupied by two individuals who bought it in March 2022.

Source: Monroe County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2320 HARRIS AVE, KEY WEST, FL 33040-3849
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 11, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Mar 11, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2022 · Amount on File
Deed Sale	Mar 11, 2022 · Amount on File
Prior Sale	Dec 12, 2018 · Amount on File
Deed Document Number	20222365502
Deed Book / Page	3160 / 1189
Prior Transfer Date	Mar 23, 2009
Prior Transfer Doc	0024060417
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2320 HARRIS AVE, KEY WEST, FL 33040-3849
Transaction Type	Mortgage
Record Updated	Jun 6, 2023
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 HARRIS AVE, KEY WEST, FL 33040-3849

Mortgage

Document Number	0032200042
Date	Apr 11, 2023
Book Page	3220/42
Instrument	2413540

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 11, 2022
Property Address	2320 HARRIS AVE, KEY WEST, FL 33040-3849
Document Number	0031601189
Book / Page	3160 / 1189
Map Reference	MB 1 PG 43
Instrument Date	Mar 11, 2022
Instrument	2365502
Transaction Type	Transfer
Record Updated	Apr 4, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,195.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 BOUGAINVILLEA AVE, 21, KEY WEST, FL 33040-6226

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 HARRIS AVE, KEY WEST, FL 33040-3849

Mortgage

Document Number	0031601192
Date	Mar 11, 2022
Instrument	3160/1192

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Dec 12, 2018
Property Address	2320 HARRIS AVE, KEY WEST, FL 33040-3849
Document Number	0029400376
Book / Page	002940 / 000376
Instrument Date	Dec 5, 2018
Instrument	2198080
Transaction Type	Transfer
Record Updated	Jan 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	21 BOUGAINVILLEA AVE KEY WEST FL 330406226, KEY WEST, FL 33040-6226

Tax Assessment & Valuation

The 2025 property tax bill for 2320 Harris Ave was $7,499 with a homeowner's exemption, up 4.9% 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	$7,499.00 (+4.91%) Homeowner's exemption	$816,069	$829,944 Land $485,960 Building $343,984
2024	$7,148.00 (-2.75%)
2023	$7,350.00 (+24.92%)	$767,426 (+8.74%) Land $455,900 Building $311,526	$767,426 (+8.74%) Land $455,900 Building $311,526
2022	$5,884.00	$705,750 Land $390,772 Building $314,978	$705,750 Land $390,772 Building $314,978

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

Flood

FEMA maps place 2320 Harris Ave 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 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

The area around 2320 Harris Ave 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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