516 Catherine St, Key West, FL 33040 Property Records

Monroe County property record for 516 Catherine St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,201 sqft · built 1938
Lot Size	0.073 acres (3,185 sqft)
Owner	Company Name on Record
Last Sale	$2,700,000 (Sep 2023)
Tax Bill	$18,254 (2024)
Deeds & Mortgages	Sep 2023 Sale & Line of Credit Mar 2022 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`00028600-000000`

Property Details

APN / Parcel Number

Primary APN	`00028600-000000`
Alternative APNs	`01010100028600000000` `1029386`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,201 sqft Living Area
1st Floor Area	1,201 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2014
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,185 sqft (0.073 acres)
Lot Dimensions	75 ft deep x 24 ft wide

Exterior Amenities

Pool Area	96 sqft
Porch	Open Porch
Porch Area	152 sqft
Deck Area	360 sqft
Patio Area	569 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1029386
Old Parcel Number	01010100028600000000
Street Address	516 CATHERINE ST
City	KEY WEST
State	FL
Zip	33040-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KW PT LT 10-11-12 SQR 8 TR 11 (L-215) G39-45 OR552-591 OR1742-172 OR1302-646 OR1619-359 OR1742-173 OR2544-141 OR2544-144
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 08 TR 11
Legal Tract	11
Legal Lot Number	10-11 11
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	4
Census Block	4026
Census Tract	972800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Key West Historic District (Boundary Increase) listed 1983 · 2,494 contributing resources · NRIS 83001430

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 December 5, 2025

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	PO BOX 500, MANALAPAN, NJ 07726-0500
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2023	Warranty Deed, Transfer · Line of Credit CENTENNIAL BANK
Mar 11, 2022	Deed of Trust, Mortgage · Line of Credit SHORE UNITED BANK NA
Dec 22, 2021	Warranty Deed, Transfer · Commercial Mortgage UNITED BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2023 · Amount on Record
Deed Sale	Sep 13, 2023 · Amount on Record
Prior Sale	Dec 22, 2021 · Amount on Record
Deed Document Number	2431682
Deed Book / Page	3242 / 874
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 13, 2023
Property Address	516 CATHERINE ST, KEY WEST, FL 33040-3104
Document Number	0032420874
Book / Page	3242 / 874
Map Reference	MB L PG 215
Instrument Date	Sep 8, 2023
Instrument	2431682
Transaction Type	Transfer
Record Updated	Oct 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 E DOVER ST, EASTON, MD 21601-7726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 500, MANALAPAN, NJ 07726-0500

Mortgage

Document Number	0003242877
Date	Sep 13, 2023
Instrument	3242/877

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 8, 2033

Interest

Rate Type	Adjustable Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	516 CATHERINE ST, KEY WEST, FL 33040-3104
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 S WASHINGTON ST, EASTON, MD 21601-2914

Mortgage

Document Number	0031601132
Date	Mar 11, 2022
Book Page	3160/1132
Instrument	2365487

Lender

Name	SHORE UNITED BANK NA
Type	Bank
Address	EASTON, MD 21601

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 22, 2021
Property Address	516 CATHERINE ST, KEY WEST, FL 33040-3104
Document Number	0031442038
Book / Page	3144 / 2038
Map Reference	MB L PG 215
Instrument Date	Dec 18, 2021
Instrument	2354027
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1616 ATLANTIC BLVD APT 10, 1616, KEY WEST, FL 33040-5350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7505 PLATTER TER, EASTON, MD 21601-8171

Mortgage

Document Number	0031442045
Date	Dec 22, 2021
Instrument	3144/2045

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Key West City
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$2,159,151 (+2.27%) Land $1,310,904 Building $848,247	$2,159,151 (+2.27%) Land $1,310,904 Building $848,247
2024	$18,254.00 (+3.12%)
2023	$17,702.00 (+12.67%)	$2,111,159 (+14.13%) Land $1,123,747 Building $987,412	$2,111,159 (+14.13%) Land $1,123,747 Building $987,412
2022	$15,712.00	$1,849,845 Land $851,445 Building $998,400	$1,849,845 Land $851,445 Building $998,400

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 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 Record median of 349 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	405 units insured incl. 56 condo units
Nearby Flood Claims	45 (1994–2025)
Claims Outside the SFHA	2 of 45
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 14 claims Hurricane Irma, Sep 2017 · 4 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 917 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, T-Mobile.

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