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528 Front St, Key West, FL 33040 Property Records

Monroe County property record for 528 Front St, Key West, FL 33040 · Last verified April 2026

Property Summary

Property TypeRestaurant
Details3,965 sqft · built 1953
Lot Size0.098 acres (4,255 sqft)
OwnerCompany Name on File
Last Sale$3,000,000 (Mar 2022)
Tax Bill$20,914 (2024)
Deeds & MortgagesDec 2021 Sale
Jul 2020 Loan Modification
+ 1 more
Flood ZoneZone AE (high risk)
APN00000310-000000

Property Details

APN / Parcel Number

Primary APN00000310-000000
Alternative APNs
  • 01010100000310000000
  • 1000302

Interior

Stories2 Stories
Building Area3,965 sqft Gross Area
1st Floor Area3,965 sqft

Exterior

Year BuiltBuilt 1953
Effective Year BuiltEffective 2010
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Fire ResistanceMasonry Walls, Wood Interior
Roof TypeFlat
Roof MaterialConcrete
Lot Area4,255 sqft (0.098 acres)
Lot Dimensions46 ft deep x 92 ft wide
PorchOpen Porch
Porch Area740 sqft
Patio Area3,049 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1000302
Street Address528 FRONT ST
CityKEY WEST
StateFL
Zip33040-6658
Property CategoryCommercial
Property TypeCommercial > Retail > Restaurant
Legal DescriptionKW PT LT 2 SQR 6 OR41-339 OR41-341 OR405-757 OR409-1032 OR454-429 OR1030-780 OR1041-785 OR1522-418 OR1522-422 OR1989-1094 OR1998-1045 OR2976-0602 OR3144-1981 OR3161-1067
Legal Range25E
Legal Township67S
Legal Section31
Legal SubdivisionCITY OF KEY WEST
Legal Lot Number2
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2039
Census Tract972500

Owner

Source: Monroe County records · APN 00000310-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of RecordCompany Name on File
Mailing Address528 FRONT ST, KEY WEST, FL 33040-6658
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
Dec 22, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jul 22, 2020Loan Modification, Mortgage
NOT AVAILABLE
Jul 23, 2019Warranty Deed, Transfer · Commercial Mortgage
CENTENNIAL BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 16, 2022 · Amount on Record
Deed SaleMar 16, 2022 · Amount on Record
Prior SaleDec 22, 2021 · Amount on Record
Deed Document Number20222366089
Deed Book / Page3161 / 1067
Prior Transfer DateDec 15, 2021
Prior Transfer Doc0031441981
Record UpdatedJun 08, 2026

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateDec 22, 2021
Property Address528 FRONT ST, KEY WEST, FL 33040-6658
Document Number0031441981
Book / Page3144 / 1981
Instrument DateDec 15, 2021
Instrument2354002
Transaction TypeTransfer
Record UpdatedJan 18, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$19,600.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 597, SHELTER ISLAND HEIGHTS, NY 11965-0597

Transferred To (Grantee/Buyer)

NameVerified Name
Address153 S LIBERTY ST, POWELL, OH 43065-7619

July 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address528 FRONT ST, KEY WEST, FL 33040-6658
Document Number0030480949
Instrument DateJul 22, 2020
Transaction TypeMortgage
Record UpdatedOct 28, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5 DICKERSON DR SHELTER ISLAND HEIGHTS NY 11965, SHELTER ISLAND HEIGHTS, NY 11965

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 23, 2019
Property Address528 FRONT ST, KEY WEST, FL 33040-6658
Document Number0029760602
Book / Page2976 / 0602
Instrument DateJul 22, 2019
Instrument2229632
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$12,600.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 520A, VILLANOVA, PA 19085-0320

Transferred To (Grantee/Buyer)

NameVerified Name
Address528 FRONT ST, KEY WEST, FL 33040-6658

Mortgage

Document Number0029760606
DateJul 23, 2019
Book Page2976/0606
Instrument2229634
Lender
NameCENTENNIAL BANK
TypeMortgage Company
AddressKEY WEST, FL 33040
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term120 Months
DueJul 22, 2029
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,637,075 (+5.67%) Land $1,936,099 Building $700,976$2,637,075 (+5.67%) Land $1,936,099 Building $700,976
2024$20,914.00 (-0.89%)
2023$21,102.00 (+8.67%)$2,495,504 (+7.31%) Land $1,774,758 Building $720,746$2,495,504 (+7.31%) Land $1,774,758 Building $720,746
2022$19,419.00$2,325,410 Land $1,792,685 Building $532,725$2,325,410 Land $1,792,685 Building $532,725

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879725002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 307 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies746 units insured
439 under condo master policies
Nearby Flood Claims53 (2005–2017)
Claims Outside the SFHA5 of 53
Most Recent ClaimSep 2017, other causes, Hurricane Irma
Claims By Storm
  • Hurricane Irma, Sep 2017 · 50 claims
  • Hurricane Wilma, Oct 2005 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 334 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
AT&TFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: T-Mobile USA, AT&T, Verizon, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

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