522 Simonton St, Key West, FL 33040 Property Records

Monroe County property record for 522 Simonton St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,342 sqft · built 1928
Lot Size	0.151 acres (6,610 sqft)
Owner	Company Name on Record
Last Sale	$5,700,000 (Mar 2025)
Tax Bill	$17,958 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00009320-000000`

Property Details

APN / Parcel Number

Primary APN	`00009320-000000`
Alternative APNs	`01010100009320000000` `1009571`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,342 sqft Living Area
1st Floor Area	2,652 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2018
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,610 sqft (0.151 acres)
Porch	Open Porch
Porch Area	384 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air

Location & Zoning

Account Number	1009571
Old Parcel Number	01010100009320000000
Street Address	522 SIMONTON ST
City	KEY WEST
State	FL
Zip	33040-6832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KW PT LOT 1 SQR 50 G26-267 COUNTY JUDGES SERIES 3-M9 COUNTY JUDGES DOCKET 1-73-242 OR2097-797/98 OR2756-501 OR2890-1632/33
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 50
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3004
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 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
Co-owner	2 Co-owners on Record
Mailing Address	1046 LYNN WAY, ZEPHYR COVE, NV 89448-9860
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Feb 6, 2018	Warranty Deed, Transfer ROBERT FRAMARIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2025 · Amount on Record
Deed Sale	Mar 18, 2025 · Amount on Record
Prior Sale	Feb 6, 2018 · Amount on Record
Deed Document Number	2493686
Deed Book / Page	3316 / 1484
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	522 SIMONTON ST, KEY WEST, FL 33040-6832
Transaction Type	Mortgage
Record Updated	Jan 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 SIMONTON ST, KEY WEST, FL 33040-6832

Mortgage

Document Number	0031451391
Date	Dec 28, 2021
Book Page	3145/1391
Instrument	2354456

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

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

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 6, 2018
Property Address	522 SIMONTON ST, KEY WEST, FL 33040-6832
Document Number	0028901632
Book / Page	002890 / 001632
Instrument Date	Feb 6, 2018
Instrument	2154210
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,100.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	522 SIMONTON ST KEY WEST FL 330406832, KEY WEST, FL 33040-6832

Mortgage

Document Number	28901634
Date	Feb 6, 2018
Book Page	002890/001634
Instrument	2154211

Lender

Name	ROBERT FRAMARIN
Address	2907 HARRIS AVE, KEY WEST, FL 33040-4045
Special Notes	Seller Financed

Agreement

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		$2,226,766 (+5.99%)	$3,107,636 (+12.44%) Land $1,445,528 Building $1,662,108
2024	$17,958.00 (+1.53%)
2023	$17,688.00 (+19.54%) Homeowner's exemption	$2,100,981 (+18.04%)	$2,763,867 (+24.28%) Land $1,239,150 Building $1,524,717
2022	$14,797.00 Homeowner's exemption	$1,779,931	$2,223,992 Land $938,884 Building $1,285,108

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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 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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