302 Front St, Key West, FL 33040 Property Records

Monroe County property record for 302 Front St, Key West, FL 33040

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	12.5 ba · 9,411 sqft · built 1958
Lot Size	0.179 acres (7,780 sqft)
Owner	Company Name on Record
Last Sale	$6,350,000 (Sep 2007)
Tax Bill	$25,722 (2025)
Deeds & Mortgages	Sep 2019 Loan Modification Jan 2018 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`00000640-000000`

Property Details

APN / Parcel Number

Primary APN	`00000640-000000`
Alternative APNs	`01010100000640000000` `1000639`

Interior

Full Baths	12.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	9,411 sqft Gross Area
1st Floor Area	6,517 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	7,780 sqft (0.179 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	724 sqft
Patio Area	2,110 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	1000639
Street Address	302 FRONT ST
City	KEY WEST
State	FL
Zip	33040-6615
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	HRCC1
Legal Description	KW PT LOT-1 SQR 9 OR280-565/68 OR281-558/59 OR434-976/77 OR451-802/03 OR451-804/08 OR770-48/49 OR1742-1461/70 OR2320-2086/2087 OR2320-2089/94
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2042
Census Tract	972500

Historic Designation

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

Historic District	Within the Key West Historic District listed 1971 · 189 contributing resources · NRIS 71000245

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

Owner

Source: Monroe County records, as of June 11, 2026

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

Owner of Record	Company Name on Record
Mailing Address	45 NW 21ST ST, MIAMI, FL 33127-4928
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2019	Loan Modification, Mortgage · Conventional Mortgage CAPITAL BK
Jan 19, 2018	Loan Modification, Mortgage CAPITAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2007 · Amount on Record
Deed Sale	Sep 17, 2007 · Amount on Record
Deed Document Number	20071662496
Deed Book / Page	2320 / 2087
Record Updated	Oct 29, 2026

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	302 FRONT ST, KEY WEST, FL 33040-6615
Document Number	0029862237
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	45 NW 21ST ST MIAMI FL 331274928, MIAMI, FL 33127-4928

Mortgage

Document Number	0029862237
Date	Sep 27, 2019
Book Page	002986/002237
Instrument	2238481

Lender

Name	CAPITAL BK
Type	Bank
Address	KEY WEST, FL 33041

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	302 FRONT ST, KEY WEST, FL 33040-6615
Document Number	0028881993
Book / Page	002888 / 001993
Instrument Date	Jan 19, 2018
Transaction Type	Mortgage
Record Updated	Feb 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	45 NW 21ST ST MIAMI FL 331274928, MIAMI, FL 33127-4928

Mortgage

Document Number	0028881993
Date	Jan 25, 2018
Book Page	002888/001993
Instrument	2152562

Lender

Name	CAPITAL BK
Type	Bank
Address	333 FAYETTEVILLE ST # 400, RALEIGH, NC 27601-1570

Agreement

Amount	Amount Recorded

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	$25,722.00 (+6.52%)	$3,044,062 (+6.73%) Land $2,156,616 Building $887,446	$3,044,062 (+6.73%) Land $2,156,616 Building $887,446
2024	$24,148.00 (-0.37%)
2023	$24,238.00 (+11.47%)	$2,852,016 (+10.57%) Land $1,976,898 Building $875,118	$2,852,016 (+10.57%) Land $1,976,898 Building $875,118
2022	$21,744.00	$2,579,401 Land $1,797,180 Building $782,221	$2,579,401 Land $1,797,180 Building $782,221

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

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 307 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	746 units insured incl. 439 condo units
Nearby Flood Claims	53 (2005–2017)
Claims Outside the SFHA	5 of 53
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 50 claims Hurricane Wilma, Oct 2005 · 2 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 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications, T-Mobile, Verizon.

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