Monroe County property record for 423 Front St, Key West, FL 33040
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 4 bd · 9 ba · 9,024 sqft · built 1900 |
| Lot Size | 0.108 acres (4,700 sqft) |
| Owner | Company Name on Record |
| Last Sale | $952,800 (Nov 1988) |
| Tax Bill | $24,548 (2025) |
| Deeds & Mortgages | Nov 2019 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | 00000160-000000 |
| Primary APN | 00000160-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 9 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 9,024 sqft Gross Area |
| 1st Floor Area | 9,024 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Fire Resistance | Masonry Walls, Wood Interior |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,700 sqft (0.108 acres) |
| Lot Dimensions | 100 ft deep x 47 ft wide |
| Porch | Slab |
| Porch Area | 760 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1000159 |
|---|---|
| Street Address | 423 FRONT ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6638 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | HRCC1 |
| Legal Description | KW PT LOT 3 SQR 3 OR131-155 OR183-575 OR217-406/07 OR893-2200/01 OR894-572/73 OR1072-2153 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | KEY WEST SQUARE 03 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 972500 |
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.
Source: Monroe County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 7820 PETERS RD, E104, PLANTATION, FL 33324-4019 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 1988 · Amount on Record |
| Deed Sale | Nov 1, 1988 · Amount on Record |
| Prior Sale | Oct 1, 1983 · Amount on Record |
| Deed Book / Page | 1072 / 2153 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 22, 2019 |
| Property Address | 423 FRONT ST, KEY WEST, FL 33040-6638 |
| Document Number | 0029952301 |
| Book / Page | 002995 / 002301 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 2245844 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 423 FRONT ST KEY WEST FL 330406638, KEY WEST, FL 33040-6638 |
| Document Number | 29952301 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 002995/002301 |
| Instrument | 2245844 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Monroe County assessment roll, as of December 8, 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 | $24,548.00 (+8.43%) | $2,851,992 (+22%) Land $1,480,500 Building $1,371,492 | $2,851,992 (+22%) Land $1,480,500 Building $1,371,492 |
| 2024 | $22,639.00 (+10.22%) | ||
| 2023 | $20,539.00 (+11.46%) | $2,337,639 (+6%) Land $1,357,125 Building $980,514 | $2,337,639 (+6%) Land $1,357,125 Building $980,514 |
| 2022 | $18,428.00 | $2,205,351 Land $1,233,750 Building $971,601 | $2,205,351 Land $1,233,750 Building $971,601 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 307 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 746 units insured incl. 439 condo units |
| Nearby Flood Claims | 53 (2005–2017) |
| Claims Outside the SFHA | 5 of 53 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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.
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 334 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Hotwire Communications, T-Mobile, Verizon.
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