320 Simonton St, Key West, FL 33040 Property Records

Monroe County property record for 320 Simonton St, Key West, FL 33040

Property Summary

Property Type	Hotel
Details	3,122 sqft · built 1928
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Company Names on Record
Tax Bill	$38,927 (2024)
Deeds & Mortgages	Dec 2025 Transfer Oct 2020 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`00004200-000000`

Property Details

APN / Parcel Number

Primary APN	`00004200-000000`
Alternative APNs	`01010100004200000000` `1004375`

Interior

Stories	2 Stories
Building Area	3,122 sqft Gross Area
1st Floor Area	3,122 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1993
Exterior Material	Wood Siding
Construction Type	Wood
Fire Resistance	Fireproof Reinforced Concrete
Roof Material	Asphalt
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	100 ft deep x 45 ft wide

Exterior Amenities

Pool Area	249 sqft
Porch	Open Porch
Porch Area	909 sqft
Patio Area	1,114 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit

Location & Zoning

Account Number	1004375
Street Address	320 SIMONTON ST
City	KEY WEST
State	FL
Zip	33040-6869
Property Category	Commercial
Property Type	Commercial > Retail > Hotel
Local Zoning Code	HNC-1
Legal Description	KW PT LOT 1 SQR 24 XX-311 OR648-870 OR897-10 OR991-800/01 OR1066-2240 OR1070-848/49 OR1129-2426/27 OR1201-401 OR1225-2467/69 OR1225-2470/72 OR1315-222/24 OR1407-1107/17 OR1447-1629/31 OR3038-2316 OR3049-1333
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 23 PT LT 04
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1018
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 March 6, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	530 DUPONT LN, KEY WEST, FL 33040-7458
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Intrafamily Transfer, Transfer
Oct 9, 2020	Correction Deed, Transfer ATTORNEY ONLY
Aug 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 15, 2017	Loan Modification, Mortgage FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020
Deed Sale	Oct 9, 2020
Prior Sale	Aug 20, 2020 · Amount on Record
Deed Document Number	20202285454
Deed Book / Page	3049 / 1333
Last Transfer Date	Oct 27, 2021
Transfer Doc	0033170788
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Dec 1, 2025
Property Address	320 SIMONTON ST, KEY WEST, FL 33040-6869
Document Number	0033551680
Book / Page	3355 / 1680
Instrument Date	Oct 21, 2025
Instrument	2523720
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	530 DUPONT LN, KEY WEST, FL 33040-7458

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	530 DUPONT LN, KEY WEST, FL 33040-7458

October 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Oct 9, 2020
Property Address	320 SIMONTON ST, KEY WEST, FL 33040-6869
Document Number	0030491333
Book / Page	003049 / 001333
Instrument Date	Oct 9, 2020
Instrument	2285454
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	320 SIMONTON ST KEY WEST FL 330406869, KEY WEST, FL 33040-6869

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Aug 20, 2020
Property Address	320 SIMONTON ST, KEY WEST, FL 33040-6869
Document Number	0030382316
Book / Page	003038 / 002316
Instrument Date	Jun 23, 2020
Instrument	2278176
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Partial Interest Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	320 SIMONTON ST KEY WEST FL 330406869, KEY WEST, FL 33040-6869

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	320 SIMONTON ST, KEY WEST, FL 33040-6869
Document Number	0028862121
Book / Page	002886 / 002121
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 SIMONTON ST KEY WEST FL 330406869, KEY WEST, FL 33040-6869

Mortgage

Document Number	0028862121
Date	Jan 10, 2018
Book Page	002886/002121
Instrument	2150674

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	KEY WEST, FL 33041-1526

Agreement

Term	24 Months
Due	Jan 9, 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		$6,797,947 (+38.94%) Land $3,738,871 Building $3,059,076	$6,797,947 (+38.94%) Land $3,738,871 Building $3,059,076
2024	$38,927.00 (+25.32%)
2023	$31,062.00 (+15.04%)	$4,892,675 (+20.08%) Land $2,935,605 Building $1,957,070	$4,892,675 (+20.08%) Land $2,935,605 Building $1,957,070
2022	$27,002.00	$4,074,604 Land $2,443,662 Building $1,630,942	$4,074,604 Land $2,443,662 Building $1,630,942

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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