405 William St, Key West, FL 33040 Property Records

Monroe County property record for 405 William St, Key West, FL 33040

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 3 ba · 2,054 sqft · built 1939
Lot Size	0.101 acres (4,422 sqft)
Owner	Individual Name on Record
Last Sale	$2,700,000 (May 2022)
Tax Bill	$17,917 (2024)
Deeds & Mortgages	Jun 2022 Mortgage May 2022 Sale
Flood Zone	Zone X (moderate risk)
APN	`00005860-000000`

Property Details

APN / Parcel Number

Primary APN	`00005860-000000`
Alternative APNs	`01010100005860000000` `1006084`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	2,054 sqft Total Area
1st Floor Area	2,054 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2018
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	4,422 sqft (0.101 acres)
Lot Dimensions	95 ft deep x 44 ft wide

Exterior Amenities

Pool Area	128 sqft
Porch	Open Porch
Porch Area	350 sqft
Patio Area	730 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1006084
Old Parcel Number	01010100005860000000
Street Address	405 WILLIAM ST
City	KEY WEST
State	FL
Zip	33040-6853
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	KW PT LOT 3 SQR 34 OR276-21/22 OR438-933/34 OR786-97 OR1518-829/30 OR1518-841/43 OR1932-935/36 OR2074-2327/28 OR2156-134
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 34
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1014
Census Tract	972500

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 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	15 MUNSEY DR, HAMPTON, NH 03842-1308
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
May 19, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2022 · Amount on Record
Deed Sale	May 19, 2022 · Amount on Record
Prior Sale	Feb 2, 2012 · Amount on Record
Deed Document Number	2376352
Deed Book / Page	3174 / 1911
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	405 WILLIAM ST, KEY WEST, FL 33040-6853
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 MUNSEY DR, HAMPTON, NH 03842-1308

Mortgage

Document Number	0031811856
Date	Jun 28, 2022
Book Page	3181/1856
Instrument	2381635

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 19, 2022
Property Address	405 WILLIAM ST, KEY WEST, FL 33040-6853
Document Number	0031741911
Book / Page	3174 / 1911
Instrument Date	May 17, 2022
Instrument	2376352
Transaction Type	Transfer
Record Updated	Jun 3, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$18,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 MCCOY CIR, 6, KEY WEST, FL 33040-3913

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 MUNSEY DR, HAMPTON, NH 03842-1308

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		$2,064,176 (+6.02%) Land $1,109,568 Building $954,608	$2,064,176 (+6.02%) Land $1,109,568 Building $954,608
2024	$17,917.00 (+4.1%)
2023	$17,212.00 (+34.5%)	$1,946,893 (+13.9%) Land $1,019,824 Building $927,069	$1,946,893 (+13.9%) Land $1,019,824 Building $927,069
2022	$12,797.00	$1,709,272 Land $772,347 Building $936,925	$1,709,272 Land $772,347 Building $936,925

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 202 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	242 units insured incl. 40 condo units
Nearby Flood Claims	400 (1978–2024)
Claims Outside the SFHA	44 of 400
Most Recent Claim	May 2024 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 92 claims Hurricane Wilma, Nov 2005 · 117 claims Hurricane Georges, Oct 1998 · 57 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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