Monroe County property record for 409 William St, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,226 sqft · built 1908 |
| Lot Size | 0.096 acres (4,170 sqft) |
| Owner | Company Name on File |
| Last Sale | $3,200,000 (Jul 2021) |
| Tax Bill | $27,278 (2024) |
| Deeds & Mortgages | Jul 2021 Sale Apr 2020 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 00005880-000000 |
| Primary APN | 00005880-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 3,226 sqft Living Area |
| 1st Floor Area | 2,146 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Other |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,170 sqft (0.096 acres) |
| Lot Dimensions | 100 ft deep x 42 ft wide |
| Pool Area | 350 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 300 sqft |
| Patio Area | 996 sqft |
| Water Feature | Water Feature |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1006106 |
|---|---|
| Street Address | 409 WILLIAM ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6853 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HMDR |
| Legal Description | SQR 34 PT LT 3 KW OR323-71 OR511-363 OR584-395 OR774-1756 OR908-1276 OR943-430 OR1067-75 OR1246-436 OR1926-212 OR2122-1564 OR2462-2126 OR2803-512 OR3115-1512 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | SQUARE THIRTY FOUR |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1014 |
| 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.
409 William St is owned by a company that bought it in July 2021.
Source: Monroe County records, as of April 14, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 833 S MCKNIGHT RD, SAINT LOUIS, MO 63124-1841 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 28, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Apr 24, 2020 | Deed of Trust, Mortgage · Line of Credit CENTENNIAL BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2021 · Amount on File |
| Deed Sale | Jul 28, 2021 · Amount on File |
| Prior Sale | Jun 23, 2016 · Amount on File |
| Deed Document Number | 20212332307 |
| Deed Book / Page | 3115 / 1512 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 28, 2021 |
| Property Address | 409 WILLIAM ST, KEY WEST, FL 33040-6853 |
| Document Number | 0031151512 |
| Book / Page | 3115 / 1512 |
| Instrument Date | Jul 23, 2021 |
| Instrument | 2332307 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $22,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 4880, FAYETTEVILLE, AR 72702-4880 |
| Name | Verified Name |
|---|---|
| Address | 833 S MCKNIGHT RD, SAINT LOUIS, MO 63124-1841 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 409 WILLIAM ST, KEY WEST, FL 33040-6853 |
| Document Number | 0030210138 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 409 WILLIAM ST KEY WEST FL 330406853, KEY WEST, FL 33040-6853 |
| Document Number | 0030210138 |
|---|---|
| Date | May 5, 2020 |
| Book Page | 003021/000138 |
| Instrument | 2265151 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Address | KEY WEST, FL 33040 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
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 | $3,259,138 Land $1,446,156 Building $1,812,982 | $3,259,138 Land $1,446,156 Building $1,812,982 | |
| 2024 | $27,278.00 (+8.09%) | ||
| 2023 | $25,236.00 (+11.49%) | $2,970,734 (+10.48%) Land $1,239,689 Building $1,731,045 | $2,970,734 (+10.48%) Land $1,239,689 Building $1,731,045 |
| 2022 | $22,636.00 | $2,688,846 Land $939,293 Building $1,749,553 | $2,688,846 Land $939,293 Building $1,749,553 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 William St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 File 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 |
|
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 409 William 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 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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