321 Julia St, Key West, FL 33040 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 520 sqft · built 1938
Lot Size	0.039 acres (1,734 sqft)
Owner	Individual Name on Record
Last Sale	$795,000 (Jul 2025)
Tax Bill	$5,932 (2024)
Deeds & Mortgages	May 2023 Sale Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`00025670-000100`

Property Details

APN / Parcel Number

Primary APN	`00025670-000100`
Alternative APNs	`01010100025670000100` `8693923`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	520 sqft Living Area
1st Floor Area	520 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2009
Exterior Material	Wood
Roof Type	Flat
Roof Material	Metal
Lot Area	1,734 sqft (0.039 acres)
Lot Dimensions	80 ft deep x 22 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	208 sqft
Patio Area	399 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	8693923
Old Parcel Number	01010100025670000100
Street Address	321 JULIA ST
City	KEY WEST
State	FL
Zip	33040-7511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KW PB1-25-40 PART OF LOT 13 SQR 1 TRACT 10 OR961-72 OR1411-621/2 OR1613-284/85 OR1939-1063/65 OR1959-75/77 OR2072-2225/27R/S
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	TRACTS 10 AND 15
Legal Tract	10
Legal Lot Number	13
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2003
Census Tract	972400

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

Source: Monroe County records, as of December 5, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	PO BOX 1079, KEY WEST, FL 33041-1079
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Apr 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Jan 3, 2017	Warranty Deed, Transfer · FHA Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2025 · Amount on Record
Deed Sale	Jul 31, 2025 · Amount on Record
Prior Sale	May 8, 2023 · Amount on Record
Deed Document Number	2510106
Deed Book / Page	3338 / 274
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 8, 2023
Property Address	321 JULIA ST, KEY WEST, FL 33040-7511
Document Number	0032240427
Book / Page	3224 / 427
Instrument Date	May 3, 2023
Instrument	2416917
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$5,243.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 JULIA ST, KEY WEST, FL 33040-7511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 PROCTOR RD, CHELMSFORD, MA 01824-4361

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	321 JULIA ST, KEY WEST, FL 33040-7511
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 JULIA ST, KEY WEST, FL 33040-7511

Mortgage

Document Number	0031492224
Date	Jan 19, 2022
Book Page	3149/2224
Instrument	2357634

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	321 JULIA ST, KEY WEST, FL 33040-7511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028991541
Date	Apr 5, 2018
Book Page	2899/1541
Instrument	2162748

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 3, 2017
Property Address	321 JULIA ST, KEY WEST, FL 33040-7511
Document Number	0028330630
Book / Page	2833 / 0630
Instrument Date	Dec 30, 2016
Instrument	2105257
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,024.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000
Investor	Possibly a Property Investor

Mortgage

Document Number	0002105258
Date	Jan 3, 2017
Instrument	2105258

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$635,715 (-4.97%) Land $515,828 Building $119,887	$635,715 (-4.97%) Land $515,828 Building $119,887
2024	$5,932.00 (+22.28%)
2023	$4,851.00 (+23.37%)	$668,930 (+48.77%) Land $563,898 Building $105,032	$668,930 (+48.77%) Land $563,898 Building $105,032
2022	$3,932.00	$449,629 Land $342,037 Building $107,592	$449,629 Land $342,037 Building $107,592

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 180 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	228 units insured incl. 48 condo units
Nearby Flood Claims	253 (1980–2022)
Claims Outside the SFHA	16 of 253
Most Recent Claim	Sep 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

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 993 locations within half a mile, as of December 31, 2025

Provider	Max 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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