520 William St, Key West, FL 33040 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,388 sqft · built 1933
Lot Size	0.06 acres (2,629 sqft)
Owner	Individual Name on Record
Last Sale	$1,450,000 (Mar 2021)
Tax Bill	$11,528 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00008560-000000`

Property Details

APN / Parcel Number

Primary APN	`00008560-000000`
Alternative APNs	`01010100008560000000` `1008826`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,388 sqft Living Area
1st Floor Area	1,388 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2012
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,629 sqft (0.06 acres)
Lot Dimensions	99 ft deep x 24 ft wide

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	865 sqft
Patio Area	165 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1008826
Old Parcel Number	01010100008560000000
Street Address	520 WILLIAM ST
City	KEY WEST
State	FL
Zip	33040-6856
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KW PT LOT 1 SQR 48 ZZ-185 OR751-462 OR751-456 OR808-113 OR819-706 OR863-1622 OR1098-1987 OR1089-1989/90 OR2809-1246/49
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 48
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3002
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 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.

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	Individual Name on Record
Mailing Address	603 MAID MARION RD # A, A, ANNAPOLIS, MD 21405-2027
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage SANDY SPRING BANK
Mar 25, 2021	Warranty Deed, Transfer · Conventional Mortgage THE DECLARATION OF TRUST OF KARI HA
Apr 26, 2021	Correction Deed ATTORNEY ONLY, ATTORNEY
Nov 8, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2021 · Amount on Record
Deed Sale	Mar 25, 2021 · Amount on Record
Prior Sale	Nov 8, 2018 · Amount on Record
Deed Document Number	2310436
Deed Book / Page	3084 / 616
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	520 WILLIAM ST, KEY WEST, FL 33040-6856
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603A MAID MARION RD, SHERWOOD FOREST, MD 21405-2027

Mortgage

Document Number	0031701781
Date	Apr 29, 2022
Book Page	3170/1781
Instrument	2373239

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 25, 2021
Property Address	520 WILLIAM ST, KEY WEST, FL 33040-6856
Document Number	0030840616
Book / Page	3084 / 616
Instrument Date	Mar 24, 2021
Instrument	2310436
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	525 FRANCES ST, 525, KEY WEST, FL 33040-7163

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603A MAID MARION RD, ANNAPOLIS, MD 21405-2027

Mortgage

Document Number	0003084619
Date	Mar 25, 2021
Instrument	3084/619

Lender

Name	THE DECLARATION OF TRUST OF KARI HA
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Apr 26, 2021
Property Address	520 WILLIAM ST, KEY WEST, FL 33040-6856
Document Number	0030920263
Book / Page	3092 / 263
Instrument Date	Mar 24, 2021
Instrument	2315928
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	525 FRANCES ST, KEY WEST, FL 33040-7163

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603A MAID MARION RD, ANNAPOLIS, MD 21405-2027

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 8, 2018
Property Address	520 WILLIAM ST, KEY WEST, FL 33040-6856
Document Number	0029351218
Book / Page	002935 / 001218
Instrument Date	Nov 8, 2018
Instrument	2193867
Transaction Type	Transfer
Record Updated	Dec 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$8,470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	525 FRANCES ST KEY WEST FL 330407163, KEY WEST, FL 33040-7163

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		$1,707,249 (+27.14%) Land $1,104,811 Building $602,438	$1,707,249 (+12.3%) Land $1,104,811 Building $602,438
2024	$11,528.00 (+1.58%)
2023	$11,349.00 (+4.44%) Homeowner's exemption	$1,342,793 (+3%)	$1,520,286 (+16.61%) Land $947,078 Building $573,208
2022	$10,867.00 Homeowner's exemption	$1,303,683 Land $717,586 Building $586,097	$1,303,683 Land $717,586 Building $586,097

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 285 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	328 units insured incl. 43 condo units
Nearby Flood Claims	89 (1980–2025)
Claims Outside the SFHA	43 of 89
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 23 claims Hurricane Wilma, Oct 2005 · 8 claims Hurricane Georges, Sep 1998 · 25 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 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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