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423 Caroline St, Key West, FL 33040 Property Records

Monroe County property record for 423 Caroline St, Key West, FL 33040 · Last verified April 2026

Property Summary

Property TypeMixed Use Commercial Office / Residential
Details3 ba · 2,150 sqft · built 1909
Lot Size0.092 acres (4,000 sqft)
OwnerCompany Name on File
Last Sale$940,000 (Jan 2024)
Tax Bill$13,213 (2024)
Deeds & MortgagesJan 2024 Sale
Mar 2018 Mortgage
Flood ZoneZone AE (high risk)
APN00001360-000000

Property Details

APN / Parcel Number

Primary APN00001360-000000
Alternative APNs
  • 01010100001360000000
  • 1001384

Interior

Full Baths3 Baths
Stories2 Stories
Building Area2,150 sqft Gross Area
1st Floor Area2,150 sqft

Exterior

Year BuiltBuilt 1909
Effective Year BuiltEffective 1990
Exterior MaterialOther
Fire ResistanceMasonry Walls, Wood Interior
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area4,000 sqft (0.092 acres)
Lot Dimensions111 ft deep x 40 ft wide
PorchOpen Porch
Porch Area350 sqft
Patio Area516 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit

Location & Zoning

Account Number1001384
Street Address423 CAROLINE ST
CityKEY WEST
StateFL
Zip33040-6564
Property CategoryCommercial
Property TypeCommercial > Office > Mixed Use Commercial Office / Residential
Legal DescriptionKW PART LOT 1 SQR 15 D2-550 H1-208 OR672-429 OR935-97 OR1116-704 OR2301-1669 OR2301-1672 OR2952-1611 OR3257-0779
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionISLAND OF KEY WEST
Legal Lot Number1
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2033
Census Tract972500

Owner

Source: Monroe County records · APN 00001360-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of RecordCompany Name on File
Mailing Address209 DUVAL ST, 2, KEY WEST, FL 33040-6507
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Jan 03, 2024Warranty Deed, Transfer
Mar 01, 2018Deed of Trust, Mortgage
SPOTTSWOOD MANAGEMENT INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 03, 2024 · Amount on Record
Deed SaleJan 03, 2024 · Amount on Record
Prior SaleNov 14, 2001 · Amount on Record
Deed Document Number20242446731
Deed Book / Page3257 / 779
Prior Transfer DateMay 25, 2007
Prior Transfer Doc0023011669
Record UpdatedJun 08, 2026

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 03, 2024
Property Address423 CAROLINE ST, KEY WEST, FL 33040-6564
Document Number0032570779
Book / Page3257 / 779
Instrument DateJan 01, 2024
Instrument2446731
Transaction TypeTransfer
Record UpdatedFeb 01, 2024

Transaction

AmountAmount Recorded
Tax$6,580.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address209 DUVAL ST # 2, 2, KEY WEST, FL 33040-6507

Transferred To (Grantee/Buyer)

NameVerified Name
Address209 DUVAL ST # 2ND, KEY WEST, FL 33040-6507

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address423 CAROLINE ST, KEY WEST, FL 33040-6564
Document Number0028971088
Instrument DateMar 01, 2018
Transaction TypeMortgage
Record UpdatedMay 24, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address423 CAROLINE ST KEY WEST FL 330406564, KEY WEST, FL 33040-6564

Mortgage

Document Number0028971088
DateMar 22, 2018
Book Page002897/001088
Instrument2160655
Lender
NameSPOTTSWOOD MANAGEMENT INC
Address506 FLEMING ST, KEY WEST, FL 33040-6882
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,629,409 (+9.77%) Land $1,308,000 Building $321,409$1,629,409 (+9.77%) Land $1,308,000 Building $321,409
2024$13,213.00 (+4.44%)
2023$12,651.00 (+12.24%)$1,484,400 (+13.17%) Land $1,199,000 Building $285,400$1,484,400 (+13.17%) Land $1,199,000 Building $285,400
2022$11,271.00$1,311,698 Land $1,090,000 Building $221,698$1,311,698 Land $1,090,000 Building $221,698

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879725002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation6.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 307 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies746 units insured
439 under condo master policies
Nearby Flood Claims53 (2005–2017)
Claims Outside the SFHA5 of 53
Most Recent ClaimSep 2017, other causes, Hurricane Irma
Claims By Storm
  • Hurricane Irma, Sep 2017 · 50 claims
  • Hurricane Wilma, Oct 2005 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 334 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
AT&TFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: T-Mobile USA, AT&T, Verizon, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

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