Monroe County property record for 522 Caroline St, Key West, FL 33040 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 6,066 sqft · built 1928 |
| Lot Size | 0.395 acres (17,192 sqft) |
| Owner | Company Name on File |
| Last Sale | $255,000 (Jul 1997) |
| Tax Bill | $11,031 (2025) |
| Deeds & Mortgages | Jul 2019 Sale Jul 2019 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 00004270-000000 |
| Primary APN | 00004270-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 6,066 sqft Living Area |
| 1st Floor Area | 4,588 sqft |
| Attic | Attic |
| Attic Area | 2,956 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 17,192 sqft (0.395 acres) |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Pool Area | 462 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 1,066 sqft |
| Patio Area | 1,409 sqft |
| Water Feature | Water Feature |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1004448 |
|---|---|
| Street Address | 522 CAROLINE ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KW PT LOTS 2 AND 3 SQR 24 G4-135 G9-120 OR367-149/53 OR898-86/87 OR1563-2222/24 OR2607-1588/89 OR2974-2307 OR2975-0372 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | WILLIAM A WHITEHEADS |
| Legal Lot Number | 2,3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 972500 |
Source: Monroe County records · APN 00004270-000000
Assessment roll updated December 8, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 522 CAROLINE ST, KEY WEST, FL 33040-6605 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jul 15, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jul 12, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 25, 1997 · Amount on Record |
| Deed Sale | Jul 25, 1997 · Amount on Record |
| Deed Book / Page | 1468 / 999 |
| Last Transfer Date | Apr 09, 2019 |
| Transfer Doc | 0029750372 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 15, 2019 |
| Property Address | 522 CAROLINE ST, KEY WEST, FL 33040-6605 |
| Document Number | 0029750372 |
| Book / Page | 002975 / 000372 |
| Instrument Date | Apr 09, 2019 |
| Instrument | 2228738 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 522 CAROLINE ST KEY WEST FL 330406605, KEY WEST, FL 33040-6605 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 12, 2019 |
| Property Address | 522 CAROLINE ST, KEY WEST, FL 33040-6605 |
| Document Number | 0029742307 |
| Book / Page | 002974 / 002307 |
| Instrument Date | Dec 31, 2018 |
| Instrument | 2228525 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 522 CAROLINE ST KEY WEST FL 330406605, KEY WEST, FL 33040-6605 |
Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
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 | $11,031.00 (+3.53%) Homeowner's exemption | $1,314,156 (+5.99%) | $5,712,918 (+11.06%) Land $3,296,738 Building $2,416,180 |
| 2024 | $10,655.00 (+1.59%) | ||
| 2023 | $10,488.00 (+4.44%) Homeowner's exemption | $1,239,923 (+3%) | $5,144,186 (+14.71%) Land $2,826,064 Building $2,318,122 |
| 2022 | $10,042.00 Homeowner's exemption | $1,203,809 | $4,484,414 Land $2,141,264 Building $2,343,150 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879725001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 6.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 202 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 242 units insured 40 under condo master policies |
| Nearby Flood Claims | 400 (1978–2024) |
| Claims Outside the SFHA | 44 of 400 |
| Most Recent Claim | May 2024, other causes |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 334 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| AT&T | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: T-Mobile USA, AT&T, Verizon, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
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