520 Duval St, Key West, FL 33040 Property Records

Monroe County property record for 520 Duval St, Key West, FL 33040

Property Summary

Property Type	Retail Store
Details	3,045 sqft · built 1953
Lot Size	0.057 acres (2,500 sqft)
Owner	Company Name on Record
Last Sale	$1,350,000 (Sep 2014)
Tax Bill	$11,998 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`00009810-000000`

Property Details

APN / Parcel Number

Primary APN	`00009810-000000`
Alternative APNs	`01010100009810000000` `1010073`

Interior

Stories	2 Stories
Building Area	3,045 sqft Gross Area
1st Floor Area	3,045 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Material	Asphalt
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Porch	Open Porch
Porch Area	80 sqft

Location & Zoning

Account Number	1010073
Street Address	520 DUVAL ST
City	KEY WEST
State	FL
Zip	33040-6553
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	HRCC1
Legal Description	KW PT LOT 1 SQR 51 G24-257 OR325-41/42 OR608-721/23 OR819-1634/54 OR826-372/92 OR863-2035/38 OR1147-1493/94 OR1147-1495/97 OR1421-665/67 OR1572-2000/03 OR1804-10 OR2009-1329/32 OR2618-705/06 OR2618-1119 OR2701-802/04
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 51
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1000
Census Tract	972400

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 October 14, 2026

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 372, MERCER ISLAND, WA 98040-0372
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Mar 14, 2022	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2014 · Amount on Record
Deed Sale	Sep 3, 2014 · Amount on Record
Prior Sale	Sep 10, 1996 · Amount on Record
Deed Document Number	20141996345
Deed Book / Page	2701 / 802
Prior Transfer Date	Mar 21, 2011
Prior Transfer Doc	0026180705
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	520 DUVAL ST, KEY WEST, FL 33040-6553
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7705 SE 34TH ST, MERCER ISLAND, WA 98040-3426

Mortgage

Document Number	0031831043
Date	Jul 8, 2022
Book Page	3183/1043
Instrument	2382917

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	KEY WEST, FL 33041

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	80 Months
Due	Mar 10, 2029

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	520 DUVAL ST, KEY WEST, FL 33040-6553
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7705 SE 34TH ST, MERCER ISLAND, WA 98040-3426

Mortgage

Document Number	0031601494
Date	Mar 14, 2022
Book Page	3160/1494
Instrument	2365577

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	KEY WEST, FL 33041

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Mar 10, 2029

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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	$11,998.00 (+12.74%)	$1,496,318 (+17.78%) Land $1,171,875 Building $324,443	$1,496,318 (+17.78%) Land $1,171,875 Building $324,443
2024	$10,642.00 (-0.91%)
2023	$10,740.00 (+0.53%)	$1,270,406 (-0.8%) Land $937,500 Building $332,906	$1,270,406 (-0.8%) Land $937,500 Building $332,906
2022	$10,683.00	$1,280,649 Land $937,500 Building $343,149	$1,280,649 Land $937,500 Building $343,149

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	180 units insured incl. 32 condo units
Nearby Flood Claims	84 (1980–2022)
Claims Outside the SFHA	41 of 84
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 23 claims Hurricane Wilma, Oct 2005 · 30 claims Hurricane Georges, Sep 1998 · 18 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 993 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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