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425 Front St, Key West, FL 33040 Property Records

Monroe County property record for 425 Front St, Key West, FL 33040

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details6,291 sqft · built 1976
Lot Size0.257 acres (11,199 sqft)
OwnerCompany Name on Record
Last Sale$100 (Apr 1997)
Tax Bill$25,083 (2024)
Deeds & MortgagesApr 2020 Line of Credit
Flood ZoneZone AE (high risk)
APN00000150-000000

Property Details

APN / Parcel Number

Primary APN00000150-000000
Alternative APNs
  • 01010100000150000000
  • 1000141

Interior

Units2 Units
Stories1 Story
Building Area6,291 sqft Gross Area
1st Floor Area6,291 sqft

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 2005
Exterior MaterialWood Siding
Construction TypeWood
Fire ResistanceMasonry Walls, Wood Interior
Roof TypeFlat
Roof MaterialComposition Shingle
Lot Area11,199 sqft (0.257 acres)
Lot Dimensions100 ft deep x 126 ft wide

Exterior Amenities

PorchOpen Porch
Porch Area1,046 sqft
Patio Area1,729 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1000141
Street Address425 FRONT ST
CityKEY WEST
StateFL
Zip33040-6661
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning CodeHRCC1
Legal DescriptionKW PT LOT 1 AND PT LOT 2 SOR 3 G24-269 G24-271 OR490-875/77 OR636-140/41 OR765-1672/74 OR998-401/02 OR1161-1008/09 OR1339-1303 OR1446-770/72 OR1450-2109/12 OR2004-426/27 OR2784-359/60 OR2784-361/62
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionSQUARE 3
Legal Lot Number1,2
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2036
Census Tract972500

Historic Designation

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

Owner

Source: Monroe County records, as of April 20, 2026

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

Owner of RecordCompany Name on Record
Mailing Address8 SALT MARSH DR, FERNANDINA BEACH, FL 32034-6434
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 8, 1997 · Amount on Record
Deed SaleApr 8, 1997 · Amount on Record
Prior SaleMar 7, 1997 · Amount on Record
Deed Book / Page1450 / 2109
Transfer Doc0014460770
Record UpdatedOct 29, 2026

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address425 FRONT ST, KEY WEST, FL 33040-6661
Document Number0030190608
Instrument DateApr 17, 2020
Transaction TypeMortgage
Record UpdatedJul 2, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address425 FRONT ST KEY WEST FL 330406661, KEY WEST, FL 33040-6661

Mortgage

Document Number0030190608
DateApr 22, 2020
Book Page003019/000608
Instrument2263915
Lender
NameFIRST ST BK/FL KEYS
TypeBank
Address1201 SIMONTON ST, KEY WEST, FL 33040-3111
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueApr 21, 2025
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,172,700 (+11.75%) Land $2,539,933 Building $632,767$3,172,700 (+11.75%) Land $2,539,933 Building $632,767
2024$25,083.00 (+2.6%)
2023$24,447.00 (+9.29%)$2,839,133 (+8.06%) Land $2,328,272 Building $510,861$2,839,133 (+8.06%) Land $2,328,272 Building $510,861
2022$22,369.00$2,627,443 Land $2,116,611 Building $510,832$2,627,443 Land $2,116,611 Building $510,832

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 307 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies746 units insured
incl. 439 condo units
Nearby Flood Claims53 (2005–2017)
Claims Outside the SFHA5 of 53
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 50 claims
  • Hurricane Wilma, Oct 2005 · 2 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 RiskNot 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 334 locations within half a mile, as of December 31, 2025

ProviderMax 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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