415 Julia St, Key West, FL 33040 Property Records

Monroe County property record for 415 Julia St, Key West, FL 33040

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,464 sqft · built 1979
Lot Size	0.038 acres (1,666 sqft)
Owner	Individual Name on Record
Last Sale	$1,250,000 (Jan 2026)
Tax Bill	$10,111 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00027290-000000`

Property Details

APN / Parcel Number

Primary APN	`00027290-000000`
Alternative APNs	`01010100027290000000` `1028061`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	1,464 sqft Living Area
1st Floor Area	1,600 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2019
Architectural Style	Duplex Single
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	1,666 sqft (0.038 acres)
Lot Dimensions	70 ft deep x 24 ft wide
Porch	Open Porch
Porch Area	100 sqft
Patio Area	255 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1028061
Street Address	415 JULIA ST
City	KEY WEST
State	FL
Zip	33040-3150
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	HMDR
Legal Description	KW PT SUB 5 PT LT 3 SQR 3 TR 11 H3-179 OR221-376/77 OR774-1752 OR786-713 OR1076-151/52 OR1154-995/96 OR2248-1663 OR2537-1973/74 OR2645-2162/63 OR2749-1516/17 OR2962-680
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	SUBDIVISION MADE BY BEVERLY B BROWNE
Legal Tract	11
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2000
Census Tract	972400

Historic Designation

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

Historic District	Within 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 February 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	6 BAPTIST LN, KEY WEST, FL 33040
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Warranty Deed, Transfer · Conventional Mortgage RELIABLE HOLDINGS MANAGER LLC
May 3, 2019	Warranty Deed, Transfer · ARM FIRST REPUBLIC BANK
Aug 21, 2017	Deed of Trust, Mortgage · Line of Credit FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2026 · Amount on Record
Deed Sale	Jan 27, 2026 · Amount on Record
Prior Sale	May 3, 2019 · Amount on Record
Deed Document Number	20262529804
Deed Book / Page	3363 / 1747
Prior Transfer Date	Aug 2, 2013
Prior Transfer Doc	0026452162
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 27, 2026
Property Address	415 JULIA ST, KEY WEST, FL 33040-3150
Document Number	0033631747
Book / Page	3363 / 1747
Map Reference	MB J PG 671
Instrument Date	Jan 22, 2026
Instrument	2529804
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	600 GARDINERS LN, SOUTHOLD, NY 11971-3391

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 BAPTIST LN, KEY WEST, FL 33040

Mortgage

Document Number	0033631749
Date	Jan 27, 2026
Instrument	3363/1749

Lender

Name	RELIABLE HOLDINGS MANAGER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 3, 2019
Property Address	415 JULIA ST, KEY WEST, FL 33040-3150
Document Number	0029620680
Book / Page	2962 / 0680
Map Reference	DD J PG 671
Instrument Date	Apr 29, 2019
Instrument	2218399
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,887.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 ULSTER CT, 9, COMMACK, NY 11725-4512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 W 66TH ST, NEW YORK, NY 10023-6305

Mortgage

Document Number	0029620683
Date	May 3, 2019
Book Page	2962/0683
Instrument	2218400

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.6%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	2.95%
Max Rate At Change	10.9%
Index	Other

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	415 JULIA ST, KEY WEST, FL 33040-3150
Document Number	0028710314
Instrument Date	Aug 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 13, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 JULIA ST KEY WEST FL 330403150, KEY WEST, FL 33040-3150

Mortgage

Document Number	0028710314
Date	Aug 29, 2017
Book Page	002871/000314
Instrument	2136832

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	KEY WEST, FL 33041

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 28, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Key West City
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,245,714 (+5.56%) Land $581,167 Building $664,547	$1,245,714 (+5.56%) Land $581,167 Building $664,547
2024	$10,111.00 (+6.02%)
2023	$9,537.00 (+14.11%)	$1,180,082 (+20.5%) Land $534,161 Building $645,921	$1,180,082 (+20.5%) Land $534,161 Building $645,921
2022	$8,358.00	$979,289 Land $404,538 Building $574,751	$979,289 Land $404,538 Building $574,751

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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 180 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	228 units insured incl. 48 condo units
Nearby Flood Claims	253 (1980–2022)
Claims Outside the SFHA	16 of 253
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 28 claims Hurricane Wilma, Oct 2005 · 101 claims Hurricane Georges, Sep 1998 · 38 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 993 locations within half a mile, as of December 31, 2025

Provider	Max 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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