328 Whitehead St, Key West, FL 33040 Property Records

Monroe County property record for 328 Whitehead St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,484 sqft · built 1942
Lot Size	0.331 acres (14,417 sqft)
Owner	Company Name on Record
Last Sale	$5,800,100 (Sep 2023)
Tax Bill	$39,861 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2023 Sale + 5 more
Flood Zone	Zone X (moderate risk)
APN	`00004590-002100`

Property Details

APN / Parcel Number

Primary APN	`00004590-002100`
Alternative APNs	`01010100004590002100` `8732678`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,484 sqft Living Area
1st Floor Area	2,934 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 2018
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,417 sqft (0.331 acres)
Garage Type	Carport
Garage Area	312 sqft
Carport	Carport
Carport Area	312 sqft

Exterior Amenities

Pool Area	420 sqft
Porch	Open Porch
Porch Area	1,756 sqft
Deck Area	1,262 sqft
Patio Area	2,612 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	8732678
Street Address	328 WHITEHEAD ST
City	KEY WEST
State	FL
Zip	33040-6543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HPRD
Legal Description	KW PTS LOT 1 AND PT LOTS 2-3-4 SQR 26 (A/K/A PT LOT 170) OR1005-78 OR1005-190 OR1033-981 OR1072-1673 OR1135-991 OR1196-2375 OR1206-431 OR1512-2022 OR1512-2026 OR1792-1980 OR2714-1047 OR2892-1893 OR3099-0247 OR3105-0253 OR3105-0260 OR3105-0284 OR3242-
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 26
Legal Lot Number	1-3,1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2031
Census Tract	972500

Historic Designation

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

Historic District	Within the US Naval Station listed 1984 · 22 contributing resources · NRIS 84000915

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 22, 2025

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	328 WHITEHEAD ST, KEY WEST, FL 33040-6543
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Sep 14, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 14, 2021	Warranty Deed, Transfer FLORIDIAN TITLE LLC, FLORIDA TITLE LLC
Jun 14, 2021	Correction Deed ATTORNEY ONLY, ATTORNEY
Jun 14, 2021	Correction Deed ATTORNEY ONLY, ATTORNEY
May 20, 2021	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2023 · Amount on Record
Deed Sale	Sep 14, 2023 · Amount on Record
Prior Sale	Jun 14, 2021 · Amount on Record
Deed Document Number	20232431890
Deed Book / Page	3242 / 1422
Prior Transfer Date	May 8, 2021
Prior Transfer Doc	0030990247
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	328 WHITEHEAD ST, KEY WEST, FL 33040-6543
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	770 ROBBINS BEACH RD, KILLEN, AL 35645-2824

Mortgage

Document Number	0033550613
Date	Nov 25, 2025
Book Page	3355/613
Instrument	2523440

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.7%
Index	SOFR Average 30-Day
Max Rate	11.7%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 14, 2023
Property Address	328 WHITEHEAD ST, KEY WEST, FL 33040-6543
Document Number	0032421422
Book / Page	3242 / 1422
Instrument Date	Sep 14, 2023
Instrument	2431890
Transaction Type	Transfer
Record Updated	Oct 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$40,600.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 POTTER RD, WEST PALM BEACH, FL 33405-3363

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 WHITEHEAD ST, KEY WEST, FL 33040-6543

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	328 WHITEHEAD ST, KEY WEST, FL 33040-6543
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031322236
Date	Oct 21, 2021
Book Page	3132/2236
Instrument	2345031

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.12%
Index	Other
Max Rate	7.12%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 14, 2021
Property Address	328 WHITEHEAD ST, KEY WEST, FL 33040-6543
Document Number	0031050284
Book / Page	3105 / 284
Instrument Date	Jun 11, 2021
Instrument	2324963
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	FLORIDIAN TITLE LLC, FLORIDA TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$34,965.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 S 5TH ST # ST102, 400, COLUMBUS, OH 43215-5430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 POTTER RD, WEST PALM BEACH, FL 33405-3363

June 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Jun 14, 2021
Property Address	328 WHITEHEAD ST, KEY WEST, FL 33040-6543
Document Number	0031050253
Book / Page	3105 / 253
Instrument Date	Jun 11, 2021
Instrument	2324958
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 S 5TH ST # ST102, 400, COLUMBUS, OH 43215-5430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 WHITEHEAD ST, KEY WEST, FL 33040-6543

June 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Jun 14, 2021
Property Address	328 WHITEHEAD ST, KEY WEST, FL 33040-6543
Document Number	0031050260
Book / Page	3105 / 260
Instrument Date	Jun 9, 2021
Instrument	2324960
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 WHITEHEAD ST, 328, KEY WEST, FL 33040-6543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 S 5TH ST STE 102, 102, COLUMBUS, OH 43215-5430

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	May 20, 2021
Property Address	328 WHITEHEAD ST, KEY WEST, FL 33040-6543
Document Number	0030990247
Book / Page	3099 / 247
Instrument Date	May 8, 2021
Instrument	2320773
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 WHITEHEAD ST, 328, KEY WEST, FL 33040-6543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 S 5TH ST STE 102, 102, COLUMBUS, OH 43215-5430

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		$4,772,005 (-25.68%) Land $3,733,570 Building $1,038,435	$4,772,005 (-25.68%) Land $3,733,570 Building $1,038,435
2024	$39,861.00 (-15.81%)
2023	$47,349.00 (+20.56%)	$6,420,816 (+36.47%) Land $5,017,116 Building $1,403,700	$6,420,816 (+36.47%) Land $5,017,116 Building $1,403,700
2022	$39,275.00	$4,704,994 Land $3,269,487 Building $1,435,507	$4,704,994 Land $3,269,487 Building $1,435,507

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 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.

Nearby Properties on Whitehead St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures