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412 Frances St, Key West, FL 33040 Property Records

Monroe County property record for 412 Frances St, Key West, FL 33040

Property Summary

Property TypeHotel
Details3,900 sqft · built 1929
Lot Size0.092 acres (4,020 sqft)
OwnerCompany Name on File
Last Sale$9,500,000 (Jun 2026)
Tax Bill$26,473 (2025)
Deeds & MortgagesJun 2026 Sale
Oct 2017 Loan Modification
Flood ZoneZone AE (high risk)
APN00005120-000000

Property Details

APN / Parcel Number

Primary APN00005120-000000
Alternative APNs
  • 01010100005120000000
  • 1005304

Interior

Stories2 Stories
Building Area3,900 sqft Gross Area
1st Floor Area3,900 sqft

Exterior

Year BuiltBuilt 1929
Effective Year BuiltEffective 1998
Exterior MaterialOther
Fire ResistanceFireproof Reinforced Concrete
Roof MaterialAsphalt
Lot Area4,020 sqft (0.092 acres)

Exterior Amenities

Pool Area126 sqft
PorchSlab
Porch Area1,496 sqft
Deck Area748 sqft
Patio Area1,148 sqft

Location & Zoning

Account Number1005304
Street Address412 FRANCES ST
CityKEY WEST
StateFL
Zip33040-6956
Property CategoryCommercial
Property TypeCommercial > Retail > Hotel
Local Zoning CodeHMDR
Legal DescriptionKW PT LOT 2 SQR 32 G73-494/95 OR477-754/55 OR956-1061 OR978-1404 OR984-211 OR1133-1040/42 OR1133-1043/44 OR1133-1045/47 OR1636-1074/75
Legal Range25E
Legal Township67S
Legal Section31
Legal SubdivisionKEY WEST SQUARE 32
Legal Lot Number2
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group3
Census Block3002
Census Tract972800

Historic Designation

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

Historic DistrictWithin 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

412 Frances St, a commercial property, is owned by a company that bought it in June 2026.

Source: Monroe County records, as of July 13, 2026

Owner of RecordCompany Name on File
Mailing Address412 FRANCES ST, KEY WEST, FL 33040-6956
Owner TypeCompany
VestingLimited Liability Partnership

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

Deeds, Mortgages & Sale History

DateDocument
Jun 8, 2026Special Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Oct 27, 2017Loan Modification, Mortgage
CAPITAL BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 8, 2026 · Amount on File
Deed SaleJun 8, 2026 · Amount on File
Prior SaleJun 5, 2000 · Amount on File
Deed Document Number20262546587
Deed Book / Page3385 / 224
Record UpdatedOct 29, 2026

June 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionMONROE FL
Recording DateJun 8, 2026
Property Address412 FRANCES ST, KEY WEST, FL 33040-6956
Document Number0002546587
Book / Page3385 / 224
Instrument DateJun 5, 2026
Instrument20262546587
Transaction TypeTransfer
Record UpdatedJun 23, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$6,716,500.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership
Address412 FRANCES ST, KEY WEST, FL 33040-6956

October 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address412 FRANCES ST, KEY WEST, FL 33040-6956
Document Number0028770876
Instrument DateOct 27, 2017
Transaction TypeMortgage
Record UpdatedAug 28, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address412 FRANCES ST KEY WEST FL 330406956, KEY WEST, FL 33040-6956

Mortgage

Document Number0028770876
DateOct 31, 2017
Book Page002877/000876
Instrument2141863
Lender
NameCAPITAL BK
TypeBank
Agreement
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 412 Frances St was $26,473, down 8% from the year before.

Source: Monroe County assessment roll, as of December 8, 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$26,473.00 (-8.04%)$3,093,673 Land $1,701,520 Building $1,392,153$3,093,673 Land $1,701,520 Building $1,392,153
2024$28,787.00 (+0.19%)
2023$28,731.00 (+3.82%)$3,351,500 (+2.01%) Land $2,010,900 Building $1,340,600$3,351,500 (+2.01%) Land $2,010,900 Building $1,340,600
2022$27,674.00$3,285,441 Land $1,957,032 Building $1,328,409$3,285,441 Land $1,957,032 Building $1,328,409

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 412 Frances St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 248 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies259 units insured
incl. 11 condo units
Nearby Flood Claims11 (2005–2025)
Claims Outside the SFHA2 of 11
Most Recent ClaimFeb 2025 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 6 claims
  • Hurricane Wilma, Oct 2005 · 3 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

The area around 412 Frances 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 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 922 locations within half a mile, as of December 31, 2025

ProviderMax 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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