418 William St, Key West, FL 33040 Property Records

Monroe County property record for 418 William St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,852 sqft · built 1928
Lot Size	0.1 acres (4,360 sqft)
Owner	2 Individual Names on File
Last Sale	$3,285,000 (Mar 2026)
Tax Bill	$23,157 (2025)
Deeds & Mortgages	Mar 2026 Sale Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00006020-000000`

Property Details

APN / Parcel Number

Primary APN	`00006020-000000`
Alternative APNs	`01010100006020000000` `1006246`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,852 sqft Living Area
1st Floor Area	1,852 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2019
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,360 sqft (0.1 acres)
Porch	Open Porch
Porch Area	244 sqft
Patio Area	600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1006246
Street Address	418 WILLIAM ST
City	KEY WEST
State	FL
Zip	33040-6854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW PT LOT 1 SQR 35 OR254-59 OR846-2409 OR911-1596 OR2512-435 OR2577-1853 OR2577-2279 OR2730-1029 OR2942-316 OR2942-318 OR3058-1719 OR3110-0804 OR3149-1257
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	WM A WHITEHEADS MAP
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1015
Census Tract	972500

Historic Designation

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.

Owner

418 William St is owned and occupied by two individuals who bought it in March 2026.

Source: Monroe County records, as of July 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	418 WILLIAM ST, KEY WEST, FL 33040-6854
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Mar 18, 2026	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 18, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 7, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2026 · Amount on File
Deed Sale	Mar 18, 2026 · Amount on File
Prior Sale	Jan 18, 2022 · Amount on File
Deed Document Number	20262536172
Deed Book / Page	3371 / 1676
Prior Transfer Date	Nov 6, 2020
Prior Transfer Doc	0002292165
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 18, 2026
Property Address	418 WILLIAM ST, KEY WEST, FL 33040-6854
Document Number	0033711676
Book / Page	3371 / 1676
Instrument Date	Mar 18, 2026
Instrument	2536172
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$22,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 S HOLLYWOOD ST, MEMPHIS, TN 38104-5939

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 WILLIAM ST, KEY WEST, FL 33040-6854

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	418 WILLIAM ST, KEY WEST, FL 33040-6854
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 WILLIAM ST, KEY WEST, FL 33040-6854

Mortgage

Document Number	0031341387
Date	Oct 28, 2021
Book Page	3134/1387
Instrument	2346325

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Nov 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.25%
Index	1-Month LIBOR
Max Rate	7.25%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 18, 2022
Property Address	418 WILLIAM ST, KEY WEST, FL 33040-6854
Document Number	0031491257
Book / Page	3149 / 1257
Instrument Date	Jan 14, 2022
Instrument	2357412
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$20,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 GRINNELL ST # 415, 415, KEY WEST, FL 33040-6911

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 S HOLLYWOOD ST, MEMPHIS, TN 38104-5939

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 7, 2021
Property Address	418 WILLIAM ST, KEY WEST, FL 33040-6854
Document Number	0031100804
Book / Page	3110 / 804
Instrument Date	Jul 1, 2021
Instrument	2328682
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$17,493.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	908 FLEMING ST, 908, KEY WEST, FL 33040-6906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 E SADDLE RIVER RD, SADDLE RIVER, NJ 07458-2606

Tax Assessment & Valuation

The 2025 property tax bill for 418 William St was $23,157, up 1.8% from the year before.

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	$23,157.00 (+1.8%)	$2,678,305 Land $1,476,470 Building $1,201,835	$2,678,305 Land $1,476,470 Building $1,201,835
2024	$22,748.00 (+8.48%)
2023	$20,969.00 (+15.01%)	$2,396,178 (+14.05%) Land $1,265,675 Building $1,130,503	$2,396,178 (+14.05%) Land $1,265,675 Building $1,130,503
2022	$18,232.00	$2,100,947 Land $958,982 Building $1,141,965	$2,100,947 Land $958,982 Building $1,141,965

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 418 William St in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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	Hurricane Irma, Sep 2017 · 92 claims Hurricane Wilma, Nov 2005 · 117 claims Hurricane Georges, Oct 1998 · 57 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 418 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.

Internet Providers

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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