526 Frances St, Key West, FL 33040 Property Records

Monroe County property record for 526 Frances St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,480 sqft · built 1933
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Company Names on Record
Last Sale	$2,200,000 (May 2023)
Tax Bill	$18,159 (2024)
Deeds & Mortgages	Feb 2026 Transfer Jun 2023 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00007190-000000`

Property Details

APN / Parcel Number

Primary APN	`00007190-000000`
Alternative APNs	`01010100007190000000` `1007455`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,480 sqft Living Area
1st Floor Area	1,480 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2018
Exterior Material	Wood
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	4,000 sqft (0.092 acres)
Lot Dimensions	80 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	216 sqft
Patio Area	1,086 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1007455
Street Address	526 FRANCES ST
City	KEY WEST
State	FL
Zip	33040-7121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HHDR
Legal Description	KW PT LOT 1 SQR 45 U-649 OR382-887 OR712-863 OR829-615 OR830-31 OR951-1019 OR1085-898 OR1165-308 OR1170-1543 OR1170-2303 OR1264-878 OR1882-1679 OR1942-510 OR2286-2052 OR3078-1023 OR3214-0740 OR3227-0888
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	CITY OF KEY WEST
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3010
Census Tract	972800

Historic Designation

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.

Owner

Source: Monroe County records, as of March 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	526 FRANCES ST, KEY WEST, FL 33040-7121
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
May 30, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Mar 3, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 1, 2021	Warranty Deed, Transfer · Seller Carry-Back MARTYNE KOSTKA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2023 · Amount on Record
Deed Sale	May 30, 2023 · Amount on Record
Prior Sale	Mar 3, 2023 · Amount on Record
Deed Document Number	20232419659
Deed Book / Page	3227 / 888
Last Transfer Date	Feb 12, 2026
Transfer Doc	0033672449
Record Updated	Jun 8, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Feb 24, 2026
Property Address	526 FRANCES ST, KEY WEST, FL 33040-7121
Document Number	0033672449
Book / Page	3367 / 2449
Instrument Date	Feb 12, 2026
Instrument	2533474
Transaction Type	Transfer
Record Updated	Mar 13, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	526 FRANCES ST, KEY WEST, FL 33040-7121

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	526 FRANCES ST, KEY WEST, FL 33040-7121

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	526 FRANCES ST, KEY WEST, FL 33040-7121
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 RAMSEY ST, ROSWELL, GA 30075-4445

Mortgage

Document Number	0032312351
Date	Jun 27, 2023
Book Page	3231/2351
Instrument	2423163

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	Other
Max Rate	11.6%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 30, 2023
Property Address	526 FRANCES ST, KEY WEST, FL 33040-7121
Document Number	0032270888
Book / Page	3227 / 888
Instrument Date	May 24, 2023
Instrument	2419659
Transaction Type	Transfer
Record Updated	Jun 20, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 DILLON RIDGE RD # RDC402, RDC402, DILLON, CO 80435-6009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 FRACNES STREET, KEY WEST, FL 33040-7121

Mortgage

Document Number	0032270894
Date	May 30, 2023
Book Page	3227/894
Instrument	2419661

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.5%
Max Rate At Change	11.6%
Index	Other
Max Rate	11.6%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 3, 2023
Property Address	526 FRANCES ST, KEY WEST, FL 33040-7121
Document Number	0032140740
Book / Page	3214 / 740
Instrument Date	Feb 27, 2023
Instrument	2408778
Transaction Type	Transfer
Record Updated	Mar 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$18,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	526 FRANCES ST, KEY WEST, FL 33040-7121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	619 FRONT ST # 75, 75, KEY WEST, FL 33040-6620

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 1, 2021
Property Address	526 FRANCES ST, KEY WEST, FL 33040-7121
Document Number	0030781023
Book / Page	3078 / 1023
Instrument Date	Feb 23, 2021
Instrument	2306191
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ALACHUA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,065.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	861 SHORECREST DR, 861, OAK HARBOR, WA 98277-7729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	180 WILLIAM ST, BELLEVILLE, NJ 07109-2423

Mortgage

Document Number	0030781025
Date	Mar 1, 2021
Instrument	3078/1025

Lender

Name	MARTYNE KOSTKA
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	35 Months
Due	Feb 23, 2024

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$2,204,663 (+78.13%) Land $1,419,840 Building $784,823	$2,204,663 (+12.89%) Land $1,419,840 Building $784,823
2024	$18,159.00 (+73.44%)
2023	$10,470.00 (+4.45%) Homeowner's exemption	$1,237,674 (+3%)	$1,952,964 (+59.55%) Land $1,217,130 Building $735,834
2022	$10,024.00 Homeowner's exemption	$1,201,626	$1,224,061 Land $922,200 Building $301,861

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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 Record 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	Hurricane Irma, Sep 2017 · 6 claims Hurricane Wilma, Oct 2005 · 3 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 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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