520 Ave A, Key West, FL 33040 Property Records

Monroe County property record for 520 Ave A, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,244 sqft · built 2002
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$607,000 (Dec 2021)
Tax Bill	$5,234 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Mar 2018 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`00151750-000101`

Property Details

APN / Parcel Number

Primary APN	`00151750-000101`
Alternative APN	`8934366`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,244 sqft Living Area
1st Floor Area	1,246 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	149 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	8934366
Street Address	520 AVENUE A
City	KEY WEST
State	FL
Zip	33040-5574
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 6 LT 10 JOHNSONVILLE SUB PB1-53 BIG COPPITT KEY Z-342 OR585-715 OR713-371 OR785-728 OR787-1546 OR1514-862 OR2168-749
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	JOHNSONVILLE SUBD
Legal Block	6
Legal Lot Number	10
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2004
Census Tract	971700

Owner

Source: Monroe County records · APN 00151750-000101

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Mailing Address	520 AVENUE A, KEY WEST, FL 33040-5574
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 09, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 02, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 09, 2021 · Amount on Record
Deed Sale	Dec 09, 2021 · Amount on Record
Prior Sale	Jul 02, 2014
Deed Document Number	2351897
Deed Book / Page	3141 / 2317
Record Updated	Jun 08, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 09, 2021
Property Address	520 AVENUE A, KEY WEST, FL 33040-5574
Document Number	0031412317
Book / Page	3141 / 2317
Map Reference	MB 1 PG 53
Instrument Date	Dec 08, 2021
Instrument	2351897
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	ADVANTAGE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,249.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	214 RODMAN DR, 214, MADISON, AL 35758-8492

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 AVENUE A, KEY WEST, FL 33040-5574

Mortgage

Document Number	0031412319
Date	Dec 09, 2021
Instrument	3141/2319

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	520 AVENUE A, KEY WEST, FL 33040-5574
Document Number	0028962044
Instrument Date	Mar 02, 2018
Transaction Type	Mortgage
Record Updated	Mar 30, 2018
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	520 AVENUE A KEY WEST FL 330405574, KEY WEST, FL 33040-5574

Mortgage

Document Number	0028962044
Date	Mar 19, 2018
Book Page	002896/002044
Instrument	2160054

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 18, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$581,711 (+2.33%)	$614,068 (+7.55%) Land $325,000 Building $289,068
2024	$5,234.00 (+0.89%)
2023	$5,188.00 (+2.71%) Homeowner's exemption	$568,489 (+3%)	$570,956 (+3.45%) Land $297,500 Building $273,456
2022	$5,051.00 Homeowner's exemption	$551,932 Land $275,000 Building $276,932	$551,932 Land $275,000 Building $276,932

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 203 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	203 in force
Nearby Flood Claims	296 (1980–2020)
Most Recent Claim	Sep 2020 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 51 claims Hurricane Wilma, Oct 2005 · 166 claims Hurricane Georges, Sep 1998 · 58 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 217 locations within half a mile of this property.

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