Monroe County property record for 524 Front St, Key West, FL 33040
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2 ba · 9,730 sqft · built 1977 |
| Lot Size | 0.18 acres (7,836 sqft) |
| Owner | Company Name on File |
| Last Sale | $3,750,000 (Mar 2025) |
| Tax Bill | $27,554 (2024) |
| Deeds & Mortgages | Jan 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00000330-000000 |
| Primary APN | 00000330-000000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Units | 2 Units |
| Stories | 5 Stories |
| Building Area | 9,730 sqft Gross Area |
| 1st Floor Area | 9,730 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 7,836 sqft (0.18 acres) |
| Lot Dimensions | 78 ft deep x 80 ft wide |
| Porch | Open Porch |
| Porch Area | 1,171 sqft |
| Patio Area | 1,342 sqft |
| Cooling System | HVAC |
|---|
| Account Number | 1000329 |
|---|---|
| Street Address | 524 FRONT ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6658 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | HRCC1 |
| Legal Description | KW PT LT 2 AND 3 SQR 6 G49-643/44 OR661-152/53 OR833-1204/05 OR1489-1301/02 OR1665-439/40 OR1665-443/44 OR1965-1371/72 OR2808-651/52 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | KEY WEST SQUARE 06 |
| Legal Lot Number | 2,3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 972500 |
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 Front St, a commercial property, is owned by a company that bought it in March 2025.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 336 DUVAL ST, KEY WEST, FL 33040-6510 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 26, 2025 · Amount on File |
| Deed Sale | Mar 26, 2025 · Amount on File |
| Prior Sale | Jul 29, 2016 · Amount on File |
| Deed Document Number | 20252494655 |
| Deed Book / Page | 3317 / 1783 |
| Transfer Doc | 1489001301 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 524 FRONT ST, KEY WEST, FL 33040-6658 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0028350306 |
|---|---|
| Date | Jan 17, 2017 |
| Book Page | 2835/0306 |
| Instrument | 2107081 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | KEY WEST, FL 33040 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,445,872 Land $2,068,704 Building $1,377,168 | $3,445,872 Land $2,068,704 Building $1,377,168 | |
| 2024 | $27,554.00 (+4.13%) | ||
| 2023 | $26,461.00 (+13.31%) | $3,295,197 (+17.63%) Land $1,896,312 Building $1,398,885 | $3,295,197 (+17.63%) Land $1,896,312 Building $1,398,885 |
| 2022 | $23,353.00 | $2,801,329 Land $1,723,920 Building $1,077,409 | $2,801,329 Land $1,723,920 Building $1,077,409 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 Front 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 | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 307 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 746 units insured incl. 439 condo units |
| Nearby Flood Claims | 53 (2005–2017) |
| Claims Outside the SFHA | 5 of 53 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 Front 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 334 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Hotwire Communications, T-Mobile, Verizon.
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