Monroe County property record for 405 Olivia St, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,380 sqft · built 1938 |
| Lot Size | 0.088 acres (3,829 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,050,000 (Nov 2014) |
| Tax Bill | $15,208 (2024) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00017210-000000 |
| Primary APN | 00017210-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,380 sqft Living Area |
| 1st Floor Area | 1,380 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 3,829 sqft (0.088 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Area | 128 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 200 sqft |
| Deck Area | 400 sqft |
| Patio Area | 1,436 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1017647 |
|---|---|
| Street Address | 405 OLIVIA ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-7410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HMDR |
| Legal Description | KW PT LT 4 SQR 6 TR 4 OR71-134/35 OR1291-173/75 OR1359-202 OR1425-1847 OR1505-1091/92 OR1512-350/61 OR1782-867 OR2079-410/11 OR2498-1641/42 OR2525-132/34 OR2610-1319/20 OR2710-2222/24 OR2710-2225 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | SIMONTON & WALLS ADD |
| Legal Tract | 4 |
| Legal Block | 6 |
| Legal Lot Number | 4 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 972400 |
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.
405 Olivia St is owned by an individual who bought it in November 2014.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5052 35TH RD N, ARLINGTON, VA 22207-2902 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 6, 2014 · Amount on File |
| Deed Sale | Nov 6, 2014 · Amount on File |
| Prior Sale | Jan 29, 2013 · Amount on File |
| Deed Document Number | 20142004376 |
| Deed Book / Page | 2710 / 2222 |
| Prior Transfer Date | Jun 20, 1995 |
| Prior Transfer Doc | 1359000202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 405 OLIVIA ST, KEY WEST, FL 33040-7410 |
| Document Number | 0030292064 |
| Instrument Date | Jun 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 5052 35TH RD N ARLINGTON VA 222072902, ARLINGTON, VA 22207-2902 |
| Document Number | 0030292064 |
|---|---|
| Date | Jul 2, 2020 |
| Book Page | 003029/002064 |
| Instrument | 2271685 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,095,270 Land $1,406,009 Building $689,261 | $2,095,270 Land $1,406,009 Building $689,261 | |
| 2024 | $15,208.00 (+9.11%) | ||
| 2023 | $13,938.00 (+13.97%) | $1,861,153 (+18.04%) Land $1,205,273 Building $655,880 | $1,861,153 (+18.04%) Land $1,205,273 Building $655,880 |
| 2022 | $12,229.00 | $1,576,691 Land $913,217 Building $663,474 | $1,576,691 Land $913,217 Building $663,474 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Olivia St in Zone X, an area of minimal flood risk, though there have been 84 flood claims nearby since 1980.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 148 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 180 units insured incl. 32 condo units |
| Nearby Flood Claims | 84 (1980–2022) |
| Claims Outside the SFHA | 41 of 84 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
The area around 405 Olivia 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 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.
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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