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321 Catherine St, Key West, FL 33040 Property Records

Monroe County property record for 321 Catherine St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details5 bd · 4.5 ba · 1,924 sqft · built 1921
Lot Size0.105 acres (4,563 sqft)
Owner2 Trust Names on File
Last Sale$1,400,000 (Nov 2020)
Tax Bill$13,757 (2024)
Deeds & MortgagesNov 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00026350-000000

Property Details

APN / Parcel Number

Primary APN00026350-000000
Alternative APNs
  • 01010100026350000000
  • 1027146

Interior

Bedrooms5 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,924 sqft Living Area
1st Floor Area1,668 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1921
Effective Year BuiltEffective 2015
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area4,563 sqft (0.105 acres)
Lot Dimensions95 ft deep x 30 ft wide

Exterior Amenities

Pool Area240 sqft
PorchOpen Porch
Porch Area204 sqft
Patio Area940 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C

Location & Zoning

Account Number1027146
Street Address321 CATHERINE ST
CityKEY WEST
StateFL
Zip33040-7504
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeHMDR
Legal DescriptionKW PT LOT 30 SQR 2 TR 10 PB1-25-40 (AKA UNIT 1) TT-290 OR459-690 OR633-432/38 OR635-428/31 OR1102-1928 OR1287-215 OR1289-2363 OR2451-2392/93 OR3032-1870 OR3054-0997
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionTRACTS 10 AND 15
Legal Tract10
Legal Lot Number30
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2012
Census Tract972400

Historic Designation

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

Historic DistrictWithin 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

321 Catherine St is held in a trust since February 2025.

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

Owner of Record2 Trust Names on File
Mailing Address3796 BEECHWOOD PL, SEAFORD, NY 11783-2021
Owner TypeIndividual
VestingTrust

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 2, 2020 · Amount on File
Deed SaleNov 2, 2020 · Amount on File
Prior SaleFeb 5, 2010 · Amount on File
Deed Document Number20202289256
Deed Book / Page3054 / 997
Last Transfer DateFeb 10, 2025
Transfer Doc0033121945
Record UpdatedJun 8, 2026

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateNov 2, 2020
Property Address321 CATHERINE ST, KEY WEST, FL 33040-7504
Document Number0030540997
Book / Page3054 / 997
Map ReferenceMB 1 PG 40
Instrument DateOct 15, 2020
Instrument2289256
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$9,800.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address321 CATHERINE ST, 321, KEY WEST, FL 33040-7504

Transferred To (Grantee/Buyer)

NameVerified Name
Address3796 BEECHWOOD PL, SEAFORD, NY 11783-2021
InvestorPossibly a Property Investor

Mortgage

Document Number0003054999
DateNov 2, 2020
Instrument3054/999
Lender
NameIBERIABANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2050

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,707,356 Land $929,346 Building $778,010$1,707,356 Land $929,346 Building $778,010
2024$13,757.00 (+4.13%)
2023$13,212.00 (+17.63%)$1,761,895 (+28.54%) Land $1,015,952 Building $745,943$1,761,895 (+28.54%) Land $1,015,952 Building $745,943
2022$11,232.00$1,370,748 Land $616,233 Building $754,515$1,370,748 Land $616,233 Building $754,515

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

Flood

FEMA maps place 321 Catherine 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 180 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies228 units insured
incl. 48 condo units
Nearby Flood Claims253 (1980–2022)
Claims Outside the SFHA16 of 253
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 28 claims
  • Hurricane Wilma, Oct 2005 · 101 claims
  • Hurricane Georges, Sep 1998 · 38 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 321 Catherine 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 RiskNot 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

ProviderMax 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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