312 William St, Key West, FL 33040 Property Records

Monroe County property record for 312 William St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,376 sqft · built 1901
Lot Size	0.052 acres (2,252 sqft)
Owner	Company Name on File
Last Sale	$1,650,000 (Oct 2025)
Tax Bill	$11,032 (2025)
Deeds & Mortgages	Oct 2025 Sale Oct 2025 Transfer + 3 more
Flood Zone	Zone AE (high risk)
APN	`00003530-000000`

Property Details

APN / Parcel Number

Primary APN	`00003530-000000`
Alternative APNs	`01010100003530000000` `1003689`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,376 sqft Living Area
1st Floor Area	1,376 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1901
Effective Year Built	Effective 2009
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,252 sqft (0.052 acres)
Lot Dimensions	23 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	80 sqft
Carport	Carport
Carport Area	80 sqft

Exterior Amenities

Pool Area	80 sqft
Porch	Slab
Porch Area	388 sqft
Deck Area	472 sqft
Patio Area	822 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1003689
Street Address	312 WILLIAM ST
City	KEY WEST
State	FL
Zip	33040-6846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW PT LOT 2 SQR 22 OR619-833 OR623-184 OR638-803 OR641-676 OR677-323 OR677-325 OR757-836 OR777-1878 OR778-1792 OR803-947 OR823-562 OR870-747 OR1018-878 OR1021-2468 OR1380-604 OR1464-921 OR1573-2485 OR1574-1 OR1574-2 OR1678-1506 OR2398-1885 OR3270-138
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	WM A WHITEHEADS MAP
Legal Tract	17
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1009
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 (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

312 William St is owned by a company that bought it in October 2025.

Source: Monroe County records, as of October 13, 2026

Owner of Record	Company Name on File
Mailing Address	200 CENTRAL AVE, 2100, SAINT PETERSBURG, FL 33701-3579
Owner Type	Company
Vesting	Limited Liability Partnership

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
Oct 31, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 31, 2025	Correction Deed ATTORNEY ONLY, ATTORNEY
Apr 9, 2024	Warranty Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORP
Apr 27, 2018	Loan Modification, Mortgage FIRST ST BK/FL KEYS
Nov 30, 2018	Loan Modification, Mortgage FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	Nov 28, 2011 · Amount on File
Deed Document Number	20252520648
Deed Book / Page	3351 / 1882
Prior Transfer Date	Oct 10, 2025
Prior Transfer Doc	0033511871
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 31, 2025
Property Address	312 WILLIAM ST, KEY WEST, FL 33040-6846
Document Number	0033511882
Book / Page	3351 / 1882
Instrument Date	Oct 30, 2025
Instrument	2520648
Transaction Type	Transfer
Record Updated	Nov 19, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$11,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1424 GRINNELL ST, KEY WEST, FL 33040-4864

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 CENTRAL AVE STE 2100, 2100, SAINT PETERSBURG, FL 33701-3579

October 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Oct 31, 2025
Property Address	312 WILLIAM ST, KEY WEST, FL 33040-6846
Document Number	0033511871
Book / Page	3351 / 1871
Instrument Date	Oct 10, 2025
Instrument	2520644
Record Updated	Nov 19, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 WILLIAM ST, KEY WEST, FL 33040-6846

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 9, 2024
Property Address	312 WILLIAM ST, KEY WEST, FL 33040-6846
Document Number	0032701385
Book / Page	3270 / 1385
Instrument Date	Feb 21, 2024
Instrument	2457432
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1424 GRINNELL ST, KEY WEST, FL 33040-4864

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 WILLIAM ST, KEY WEST, FL 33040-6846

Mortgage

Document Number	0032701387
Date	Apr 9, 2024
Instrument	3270/1387

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 1, 2064

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Recording Date	Apr 27, 2018
Property Address	312 WILLIAM ST, KEY WEST, FL 33040-6846
Document Number	0020032052
Book / Page	002003 / 002052
Instrument Date	Apr 1, 2018
Instrument	2166560
Transaction Type	Mortgage
Record Updated	Jun 13, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1424 GRINNELL ST KEY WEST FL 330404864, KEY WEST, FL 33040-4864

Mortgage

Document Number	20032052
Date	Apr 27, 2018
Book Page	002003/002052
Instrument	2166560

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	1201 SIMONTON ST, KEY WEST, FL 33040-3111

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Recording Date	Nov 30, 2018
Property Address	312 WILLIAM ST, KEY WEST, FL 33040-6846
Document Number	0029380807
Book / Page	002938 / 000807
Instrument Date	Apr 1, 2018
Instrument	2196392
Transaction Type	Mortgage
Record Updated	Jan 10, 2019

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1424 GRINNELL ST KEY WEST FL 330404864, KEY WEST, FL 33040-4864

Mortgage

Document Number	29380807
Date	Nov 30, 2018
Book Page	002938/000807
Instrument	2196392

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	1201 SIMONTON ST, KEY WEST, FL 33040-3111

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 312 William St was $11,032, up 19.4% 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	$11,032.00 (+19.38%)	$1,272,673 (+0.52%) Land $978,876 Building $293,797	$1,272,673 (+0.52%) Land $978,876 Building $293,797
2024	$9,241.00 (+10.17%)	$1,266,090 (+15.67%) Land $974,101 Building $291,989	$1,266,090 (+15.67%) Land $974,101 Building $291,989
2023	$8,388.00 (+14.2%)	$1,094,539 (+19.33%) Land $816,526 Building $278,013	$1,094,539 (+19.33%) Land $816,526 Building $278,013
2022	$7,345.00	$917,235 Land $632,688 Building $284,547	$917,235 Land $632,688 Building $284,547

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

Flood

FEMA maps place 312 William 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 202 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	242 units insured incl. 40 condo units
Nearby Flood Claims	400 (1978–2024)
Claims Outside the SFHA	44 of 400
Most Recent Claim	May 2024 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 92 claims Hurricane Wilma, Nov 2005 · 117 claims Hurricane Georges, Oct 1998 · 57 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 312 William 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 922 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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