400 White St, Key West, FL 33040 Property Records

Monroe County property record for 400 White St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,845 sqft · built 1933
Lot Size	0.038 acres (1,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Jan 2022)
Tax Bill	$9,031 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Sep 2017 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`00004790-000000`

Property Details

APN / Parcel Number

Primary APN	`00004790-000000`
Alternative APNs	`01010100004790000000` `1004979`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,845 sqft Living Area
1st Floor Area	1,845 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2017
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,670 sqft (0.038 acres)
Lot Dimensions	42 ft deep x 40 ft wide
Porch	Open Porch
Porch Area	152 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1004979
Street Address	400 WHITE ST
City	KEY WEST
State	FL
Zip	33040-6918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HNC-2
Legal Description	KW PT LOT 2 SQR 31 (PT LOT 4 PB1-14) OR295-501 OR1093-442 OR1138-98 OR1273-1584 OR1446-1549 OR1446-1551 OR2687-882 OR2701-1630 OR2977-0493 OR3148-1420
Legal Range	25E
Legal Township	67S
Legal Section	31
Legal Subdivision	JOHN LOWES SUBDIVISION
Legal Lot Number	2,4
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3000
Census Tract	972800

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 December 8, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	4105 EQUESTRIAN CT, FLOWER MOUND, TX 75028-8737
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Sep 28, 2017	Deed of Trust, Mortgage · Line of Credit COMPASS BANK
Aug 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH MORTGAGE LLC
Jul 29, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2022 · Amount on Record
Deed Sale	Jan 12, 2022 · Amount on Record
Prior Sale	Jul 29, 2019 · Amount on Record
Deed Document Number	20222356722
Deed Book / Page	3148 / 1420
Transfer Doc	1446001551
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 12, 2022
Property Address	400 WHITE ST, KEY WEST, FL 33040-6918
Document Number	0031481420
Book / Page	3148 / 1420
Map Reference	MB 1 PG 14
Instrument Date	Jan 10, 2022
Instrument	2356722
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 WHITE ST, 400, KEY WEST, FL 33040-6918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4105 EQUESTRIAN CT, FLOWER MOUND, TX 75028-8737

Mortgage

Document Number	0031481422
Date	Jan 12, 2022
Instrument	3148/1422

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	400 WHITE ST, KEY WEST, FL 33040-6918
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028722182
Date	Sep 28, 2017
Book Page	2872/2182
Instrument	2138205

Lender

Name	COMPASS BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	400 WHITE ST, KEY WEST, FL 33040-6918
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028681723
Date	Aug 10, 2017
Book Page	2868/1723
Instrument	2134782

Lender

Name	COMMONWEALTH MORTGAGE LLC
Type	Mortgage Company
Address	WOBURN, MA 01801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2032

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 29, 2019
Property Address	400 WHITE ST, KEY WEST, FL 33040-6918
Document Number	0029770493
Book / Page	002977 / 000493
Instrument Date	Jul 26, 2019
Instrument	2230405
Transaction Type	Transfer
Record Updated	Aug 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,495.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 WHITE ST KEY WEST FL 330406918, KEY WEST, FL 33040-6918

Mortgage

Document Number	29770495
Date	Jul 29, 2019
Book Page	002977/000495
Instrument	2230406

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2049

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		$1,062,904 (+13.57%) Land $624,585 Building $438,319	$1,062,904 (+13.57%) Land $624,585 Building $438,319
2024	$9,031.00 (+8.91%)
2023	$8,292.00 (+4.88%)	$935,942 (-18.7%) Land $520,995 Building $414,947	$935,942 (-18.7%) Land $520,995 Building $414,947
2022	$7,906.00	$1,151,185 Land $403,695 Building $747,490	$1,151,185 Land $403,695 Building $747,490

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 248 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	259 units insured incl. 11 condo units
Nearby Flood Claims	11 (2005–2025)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Wilma, Oct 2005 · 3 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 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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