Monroe County property record for 524 Frances St, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,015 sqft · built 1938 |
| Lot Size | 0.152 acres (6,635 sqft) |
| Owner | Individual Name on File |
| Last Sale | $4,500,000 (Apr 2025) |
| Tax Bill | $26,258 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00007210-000000 |
| Primary APN | 00007210-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,015 sqft Living Area |
| 1st Floor Area | 2,997 sqft |
| Attic Area | 868 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Other |
| Foundation Type | Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 6,635 sqft (0.152 acres) |
| Pool Area | 320 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 714 sqft |
| Patio Area | 518 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1007471 |
|---|---|
| Old Parcel Number | 01010100007210000000 |
| Street Address | 524 FRANCES ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-7121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KW PT LOT 1 SQR 45 VV-33 COUNTY JUDGE'S SERIES 3-J2 AND PT LOT 1 SQR 45 E1-13 G43-239/240 OR437-155/56 OR458-752/54 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | KEY WEST SQUARE 45 |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 972800 |
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.
524 Frances St is owned by an individual who bought it in April 2025.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 341 WORTON RD, ESSEX, MD 21221-3026 |
| 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 | Apr 16, 2025 · Amount on File |
| Deed Sale | Apr 16, 2025 · Amount on File |
| Prior Sale | Apr 27, 2006 · Amount on File |
| Deed Document Number | 2497214 |
| Deed Book / Page | 3321 / 1072 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 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 | $3,230,680 Land $1,815,930 Building $1,414,750 | $3,230,680 Land $1,815,930 Building $1,414,750 | |
| 2024 | $26,258.00 (+8.52%) | ||
| 2023 | $24,196.00 (+12.83%) | $2,911,528 (+14.43%) Land $1,556,671 Building $1,354,857 | $2,911,528 (+14.43%) Land $1,556,671 Building $1,354,857 |
| 2022 | $21,445.00 | $2,544,484 Land $1,179,465 Building $1,365,019 | $2,544,484 Land $1,179,465 Building $1,365,019 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 Frances 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 524 Frances 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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