Monroe County property record for 407 Front St, Key West, FL 33040
| Property Type | Restaurant |
|---|---|
| Details | 8,246 sqft · built 1974 |
| Lot Size | 0.236 acres (10,300 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $10,000,000 (Jan 2006) |
| Tax Bill | $26,857 (2024) |
| Deeds & Mortgages | Jul 2019 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | 00000180-000000 |
| Primary APN | 00000180-000000 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 8,246 sqft Total Area |
| 1st Floor Area | 8,246 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Wood Siding |
| Fire Resistance | Fireproof Reinforced Concrete |
| Lot Area | 10,300 sqft (0.236 acres) |
| Lot Dimensions | 100 ft deep x 103 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 462 sqft |
| Patio Area | 948 sqft |
| Fence | Fence |
| Account Number | 1000175 |
|---|---|
| Old Parcel Number | 01010100000180000000 |
| Street Address | 407 FRONT ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6671 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Legal Description | KW PT LOTS 3&4 SQR 3 OR58-117/18 OR410-783 OR682-684 OR2178-2108 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | KEY WEST SQUARE 03 |
| Legal Lot Number | 3-4 4 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 972500 |
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.
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 | Owner Name on Record |
|---|---|
| Mailing Address | PO BOX 28, WHITE PLAINS, NY 10605-0028 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 9, 2006 · Amount on Record |
| Deed Sale | Jan 9, 2006 · Amount on Record |
| Deed Document Number | 1560205 |
| Deed Book / Page | 2178 / 2108 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 407 FRONT ST, KEY WEST, FL 33040-6671 |
| Document Number | 0029820589 |
| Instrument Date | Jul 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 28 WHITE PLAINS NY 106050028, WHITE PLAINS, NY 10605-0028 |
| Document Number | 0029820589 |
|---|---|
| Date | Aug 28, 2019 |
| Book Page | 002982/000589 |
| Instrument | 2234527 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | 180 ROYAL PALM WAY, PALM BEACH, FL 33480-4215 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Aug 27, 2029 |
Source: Monroe County assessment roll, as of July 1, 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 | $3,367,268 (+6.23%) Land $2,317,500 Building $1,049,768 | $3,367,268 (+6.23%) Land $2,317,500 Building $1,049,768 | |
| 2024 | $26,857.00 (+2.72%) | ||
| 2023 | $26,146.00 (+13.66%) | $3,169,782 (+17.21%) Land $2,124,375 Building $1,045,407 | $3,169,782 (+17.21%) Land $2,124,375 Building $1,045,407 |
| 2022 | $23,004.00 | $2,704,378 Land $1,931,250 Building $773,128 | $2,704,378 Land $1,931,250 Building $773,128 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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.
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 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.
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