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45 1st St, Key West, FL 33040 Property Records

Monroe County property record for 45 1st St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,144 sqft · built 2007
Lot Size0.154 acres (6,750 sqft)
OwnerIndividual Name on File
Last Sale$660,000 (Dec 2022)
Tax Bill$5,259 (2024)
Deeds & MortgagesJan 2026 Mortgage
Dec 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN00153530-000000

Property Details

APN / Parcel Number

Primary APN00153530-000000
Alternative APNs
  • 22672600153530000000
  • 1199028

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,144 sqft Living Area
1st Floor Area1,144 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2010
Exterior MaterialAluminum/Vinyl
Foundation TypePile
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,750 sqft (0.154 acres)
Lot Dimensions135 ft deep x 50 ft wide

Exterior Amenities

PorchOpen Porch
Porch Area308 sqft
Deck Area675 sqft
Patio Area735 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1199028
Old Parcel Number22672600153530000000
Street Address45 1ST ST
CityKEY WEST
StateFL
Zip33040-5612
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 21 GULF VIEW PB3-17 BIG COPPITT KEY OR126-403-404 OR753-886D/C PROB77-106 OR783-92 OR884-599 OR2076-1661/62
Legal Range26E
Legal Township67S
Legal Section22
Legal SubdivisionGULFVIEW
Legal Lot Number21
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2002
Census Tract971700

Owner

45 1st St is owned and occupied by an individual who bought it in December 2022.

Source: Monroe County records, as of December 5, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address45 1ST ST, KEY WEST, FL 33040-5612
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jan 28, 2026Deed of Trust, Mortgage · Conventional Mortgage
KEYS FCU
Dec 13, 2022Warranty Deed, Transfer · FHA Mortgage
FIRST HORIZON BANK
May 9, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 13, 2022 · Amount on File
Deed SaleDec 13, 2022 · Amount on File
Prior SaleMay 9, 2017
Deed Document Number2400318
Deed Book / Page3204 / 1704
Record UpdatedJun 8, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address45 1ST ST, KEY WEST, FL 33040-5612
Transaction TypeMortgage
Record UpdatedFeb 19, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 1ST ST, KEY WEST, FL 33040-5612

Mortgage

Document Number0033632392
DateJan 28, 2026
Book Page3363/2392
Instrument2530012
Lender
NameKEYS FCU
TypeCredit Union
AddressKEY WEST, FL 33040
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2056

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateDec 13, 2022
Property Address45 1ST ST, KEY WEST, FL 33040-5612
Document Number0032041704
Book / Page3204 / 1704
Map ReferenceMB 3 PG 17
Instrument DateDec 6, 2022
Instrument2400318
Transaction TypeTransfer
Record UpdatedDec 30, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,620.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address231 PAXON ST, INTERLACHEN, FL 32148-6030

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 CAILE TRES #2322 # 2322, 2322, KEY WEST, FL 33040-5569
InvestorPossibly a Property Investor

Mortgage

Document Number0032041706
DateDec 13, 2022
Instrument3204/1706
Lender
NameFIRST HORIZON BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term371 Months
DueNov 1, 2053

May 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateMay 9, 2017
Property Address45 1ST ST, KEY WEST, FL 33040-5612
Document Number0028531220
Book / Page002853 / 001220
Instrument DateMay 8, 2017
Instrument2122305
Transaction TypeTransfer
Record UpdatedJun 14, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address231 PAXON ST INTERLACHEN FL 321486030, INTERLACHEN, FL 32148-6030

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$584,727$626,959 Land $364,163 Building $262,796
2024$5,259.00 (-0.08%)
2023$5,263.00 (+5.34%) Homeowner's exemption$577,406 (-0.21%) Land $333,349 Building $244,057$577,406 (-0.21%) Land $333,349 Building $244,057
2022$4,996.00$578,636 Land $308,138 Building $270,498$578,636 Land $308,138 Building $270,498

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

Flood

FEMA maps place 45 1st St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 203 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies203 in force
Nearby Flood Claims296 (1980–2020)
Most Recent ClaimSep 2020 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 51 claims
  • Hurricane Wilma, Oct 2005 · 166 claims
  • Hurricane Georges, Sep 1998 · 58 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 45 1st 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 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 229 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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