Monroe County property record for 510 Frances St, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,006 sqft · built 1938 |
| Lot Size | 0.086 acres (3,724 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,450,000 (Sep 2011) |
| Tax Bill | $20,936 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00007310-000000 |
| Primary APN | 00007310-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,006 sqft Living Area |
| 1st Floor Area | 2,006 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 3,724 sqft (0.086 acres) |
| Lot Dimensions | 74 ft deep x 50 ft wide |
| Pool Area | 174 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 771 sqft |
| Patio Area | 599 sqft |
| Water Feature | Water Feature |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1007579 |
|---|---|
| Street Address | 510 FRANCES ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-7121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HHDR |
| Legal Description | KW PT LT 2 SQR 45 B3-216 OR607-589 OR780-290 OR1138-1970 OR1264-381 OR1335-2488/89 OR2067-2195/96 OR2166-189/91 OR2365-827/30 OR2365-831/34 OR2532-1690/91 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | SQUARE FORTY FIVE |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 972800 |
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.
510 Frances St is owned by two individuals who bought it in September 2011.
Source: Monroe County records, as of December 29, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 119 W BRENHAVEN DR, ELKIN, NC 28621-2905 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2011 · Amount on File |
| Deed Sale | Sep 2, 2011 · Amount on File |
| Prior Sale | Dec 17, 2004 · Amount on File |
| Deed Document Number | 20111849957 |
| Deed Book / Page | 2532 / 1690 |
| Prior Transfer Date | Sep 13, 2005 |
| Prior Transfer Doc | 0021660189 |
| Record Updated | Jun 8, 2026 |
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 | $2,612,547 Land $1,382,647 Building $1,229,900 | $2,612,547 Land $1,382,647 Building $1,229,900 | |
| 2024 | $20,936.00 (+8.23%) | ||
| 2023 | $19,344.00 (+10.97%) | $2,356,422 (+10.05%) Land $1,185,247 Building $1,171,175 | $2,356,422 (+10.05%) Land $1,185,247 Building $1,171,175 |
| 2022 | $17,432.00 | $2,141,144 Land $898,043 Building $1,243,101 | $2,141,144 Land $898,043 Building $1,243,101 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 510 Frances 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 Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 6.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 248 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 259 units insured incl. 11 condo units |
| Nearby Flood Claims | 11 (2005–2025) |
| Claims Outside the SFHA | 2 of 11 |
| Most Recent Claim | Feb 2025 · rainfall accumulation |
| 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.
The area around 510 Frances 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.
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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