Monroe County property record for 415 Frances St, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,849 sqft · built 1920 |
| Lot Size | 0.087 acres (3,792 sqft) |
| Owner | Owner Name on File |
| Last Sale | $1,200,000 (Apr 2014) |
| Tax Bill | $9,895 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00004990-000000 |
| Primary APN | 00004990-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,849 sqft Living Area |
| 1st Floor Area | 1,849 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 3,792 sqft (0.087 acres) |
| Lot Dimensions | 100 ft deep x 38 ft wide |
| Pool Area | 225 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 156 sqft |
| Patio Area | 1,649 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1005177 |
|---|---|
| Old Parcel Number | 01010100004990000000 |
| Street Address | 415 FRANCES ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KW PT LOT 4 SQR 31 OR234-520/21 OR428-1108/09 OR1384-806 OR1439-1465/66 OR1458-1314/15 OR1766-541/42 OR1766-543/44 |
| Legal Range | 25E |
| Legal Township | 67S |
| Legal Section | 31 |
| Legal Subdivision | KEY WEST SQUARE 31 |
| Legal Lot Number | 4 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 972800 |
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.
The current owner of 415 Frances St bought it in April 2014.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 415 FRANCES ST, KEY WEST, FL 33040-6955 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2014 · Amount on File |
| Deed Sale | Apr 25, 2014 · Amount on File |
| Prior Sale | Apr 5, 2005 · Amount on File |
| Deed Document Number | 1978034 |
| Deed Book / Page | 2861 / 0413 |
| Record Updated | Jun 8, 2026 |
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 | $1,219,142 | $2,343,976 Land $1,392,422 Building $951,554 | |
| 2024 | $9,895.00 (+1.6%) | ||
| 2023 | $9,739.00 (+4.45%) Homeowner's exemption | $1,150,276 (+3%) | $2,094,525 (+20.81%) Land $1,193,627 Building $900,898 |
| 2022 | $9,324.00 Homeowner's exemption | $1,116,773 | $1,733,744 Land $904,392 Building $829,352 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 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 Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 248 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 259 units insured incl. 11 condo units |
| Nearby Flood Claims | 11 (2005–2025) |
| Claims Outside the SFHA | 2 of 11 |
| Most Recent Claim | Feb 2025 · rainfall accumulation |
| 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 415 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 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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