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407 Olivia St, Key West, FL 33040 Property Records

Monroe County property record for 407 Olivia St, Key West, FL 33040

Property Summary

Property TypeMulti-Family Dwellings
Details4 bd · 3 ba · 2,255 sqft · built 1964
Lot Size0.196 acres (8,564 sqft)
OwnerIndividual Name on File
Last Sale$3,500,000 (Aug 2025)
Tax Bill$19,301 (2024)
Deeds & MortgagesJan 2025 Line of Credit
Jan 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN00017200-000000

Property Details

APN / Parcel Number

Primary APN00017200-000000
Alternative APNs
  • 01010100017200000000
  • 1017639

Interior

Bedrooms4 Beds
Full Baths3 Baths
Units2 Units
Stories1 Story
Building Area2,255 sqft Total Area
1st Floor Area2,772 sqft
FlooringConcrete/Cement

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 2017
Exterior MaterialOther
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area8,564 sqft (0.196 acres)
Lot Dimensions95 ft deep x 89 ft wide
Garage TypeCarport
CarportCarport

Exterior Amenities

Pool TypePublic / Commercial Pool
PorchOpen Porch
Porch Area147 sqft
Deck Area300 sqft
Patio Area1,334 sqft
FenceFence
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air

Location & Zoning

Account Number1017639
Old Parcel Number01010100017200000000
Street Address407 OLIVIA ST
CityKEY WEST
StateFL
Zip33040-7410
Property CategoryResidential
Property TypeResidential > Multi-Unit > Multi-Family Dwellings
Legal DescriptionKW PT LOT 4 SQR 6 TR 4 OR119-415/17 OR2821-980 OR2821-1101 OR2821-986/88 OR2821-989/91 OR2821-992/93 OR2821-995/97 OR2821-998
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionKEY WEST SQUARE 06 TR 04
Legal Tract4
Legal Lot Number4
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1012
Census Tract972400

Historic Designation

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

Historic DistrictWithin 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.

Owner

Source: Monroe County records, as of December 5, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Mailing Address12 THOMPSON RD, SHELTER ISLAND, NY 11964
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 7, 2025Deed of Trust, Mortgage · Line of Credit
BETTER MORTGAGE CORPORATION
Jan 19, 2022Deed of Trust, Mortgage · Conventional Mortgage
A&D MORTGAGE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 8, 2025 · Amount on File
Deed SaleAug 8, 2025 · Amount on File
Deed Document Number2511138
Deed Book / Page3339 / 1103
Record UpdatedJun 8, 2026

January 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address407 OLIVIA ST, KEY WEST, FL 33040-7410
Transaction TypeMortgage
Record UpdatedDec 8, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address415 OLIVIA ST, KEY WEST, FL 33040-7410

Mortgage

Document Number0033061784
DateJan 7, 2025
Book Page3306/1784
Instrument2485525
Lender
NameBETTER MORTGAGE CORPORATION
TypeMortgage Company
AddressNEW YORK, NY 10012
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueJan 1, 2055
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address407 OLIVIA ST, KEY WEST, FL 33040-7410
Transaction TypeMortgage
Record UpdatedJan 26, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0031492055
DateJan 19, 2022
Book Page3149/2055
Instrument2357609
Lender
NameA&D MORTGAGE LLC
TypeMortgage Company
AddressHOLLYWOOD, FL 33020
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2052

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,301,165 (+2.6%) Land $1,558,030 Building $743,135$2,301,165 (+0.6%) Land $1,558,030 Building $743,135
2024$19,301.00 (+1.61%)
2023$18,996.00 (+26.74%) Homeowner's exemption$2,242,898 (+14.97%)$2,287,392 (+17.26%) Land $1,432,013 Building $855,379
2022$14,988.00 Homeowner's exemption$1,950,784 Land $1,084,511 Building $866,273$1,950,784 Land $1,084,511 Building $866,273

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 148 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies180 units insured
incl. 32 condo units
Nearby Flood Claims84 (1980–2022)
Claims Outside the SFHA41 of 84
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 23 claims
  • Hurricane Wilma, Oct 2005 · 30 claims
  • Hurricane Georges, Sep 1998 · 18 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 RiskNot 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 993 locations within half a mile, as of December 31, 2025

ProviderMax 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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