Monroe County property record for 522 White St, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,136 sqft · built 1933 |
| Lot Size | 0.074 acres (3,238 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100 (Mar 1997) |
| Tax Bill | $3,618 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00006920-000000 |
| Primary APN | 00006920-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,136 sqft Living Area |
| 1st Floor Area | 1,136 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 3,238 sqft (0.074 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 138 sqft |
| Deck Area | 60 sqft |
| Patio Area | 60 sqft |
| Cooling System | None |
|---|
| Account Number | 1007170 |
|---|---|
| Street Address | 522 WHITE ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-7170 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HNC-2 |
| Legal Description | KW PT LOT 2 SQR 44 OR311-132/33 OR2510-118/20 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | WM A WHITEHEADS MAP |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 972800 |
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.
522 White St is owned and occupied by an individual who acquired it in February 2011.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 522 WHITE ST, KEY WEST, FL 33040-7170 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 24, 1997 · Amount on File |
| Deed Sale | Mar 24, 1997 · Amount on File |
| Deed Book / Page | 1448 / 1573 |
| Last Transfer Date | Feb 24, 2011 |
| Transfer Doc | 0025100118 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $434,782 | $1,200,586 Land $1,062,064 Building $138,522 | |
| 2024 | $3,618.00 (+1.89%) | ||
| 2023 | $3,551.00 (+4.59%) Homeowner's exemption | $410,223 (+3%) | $1,009,851 (+24.3%) Land $885,917 Building $123,934 |
| 2022 | $3,395.00 Homeowner's exemption | $398,275 | $812,400 Land $686,456 Building $125,944 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 White St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 6.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 248 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 259 units insured incl. 11 condo units |
| Nearby Flood Claims | 11 (2005–2025) |
| Claims Outside the SFHA | 2 of 11 |
| Most Recent Claim | Feb 2025 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 522 White St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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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