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540 White St, Key West, FL 33040 Property Records

Monroe County property record for 540 White St, Key West, FL 33040

Property Summary

Property TypeDuplex
Details3 bd · 2 ba · 1,700 sqft · built 1933
Lot Size0.055 acres (2,376 sqft)
Owner2 Individual Names on File
Last Sale$562,500 (Jul 2012)
Tax Bill$8,637 (2024)
Flood ZoneZone AE (high risk)
APN00006780-000000

Property Details

APN / Parcel Number

Primary APN00006780-000000
Alternative APNs
  • 01010100006780000000
  • 1007013

Interior

Bedrooms3 Beds
Full Baths2 Baths
Units2 Units
Stories3 Stories
Building Area1,700 sqft Living Area
1st Floor Area1,700 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1933
Effective Year BuiltEffective 2010
Architectural StyleDuplex Single
Exterior MaterialWood
Construction TypeWood
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area2,376 sqft (0.055 acres)
Lot Dimensions46 ft deep x 51 ft wide
PorchOpen Porch
Porch Area263 sqft
Patio Area361 sqft

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Account Number1007013
Street Address540 WHITE ST
CityKEY WEST
StateFL
Zip33040-7169
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeHNC-2
Legal DescriptionKW PT LT 1 SQR 44 H3-344 OR449-21-22 OR636-586 OR685-77/78 OR776-859 OR776-860 OR804-1820/21 OR812-668 OR892-536/37 OR1006-299/300 OR1194-896/97 OR1731-958 OR2485-1376/77 OR2579-52
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionSQUARE 44
Legal Lot Number1
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group3
Census Block3006
Census Tract972800

Owner

Source: Monroe County records · APN 00006780-000000

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 Record2 Individual Names on File
Mailing Address540 WHITE ST, KEY WEST, FL 33040-7169
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 10, 2012 · Amount on Record
Deed SaleJul 10, 2012 · Amount on Record
Prior SaleOct 12, 2001 · Amount on Record
Deed Document Number20121890639
Deed Book / Page2579 / 52
Prior Transfer DateSep 23, 2010
Prior Transfer Doc0024851376
Record UpdatedJun 08, 2026

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$1,071,869 (+6.04%) Land $610,727 Building $461,142$1,071,869 (+6.04%) Land $610,727 Building $461,142
2024$8,637.00 (+6.43%)
2023$8,115.00 (+12.6%)$1,010,775 (+14.9%) Land $561,330 Building $449,445$1,010,775 (+14.9%) Land $561,330 Building $449,445
2022$7,207.00$879,707 Land $425,114 Building $454,593$879,707 Land $425,114 Building $454,593

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation6.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 248 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies259 units insured
incl. 11 condo units
Nearby Flood Claims11 (2005–2025)
Claims Outside the SFHA2 of 11
Most Recent ClaimFeb 2025 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 6 claims
  • Hurricane Wilma, Oct 2005 · 3 claims

Wildfire

Wildfire RiskNot rated
no burnable land within 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 as of August 1, 2026 · Last verified October 2026

Historic DistrictWithin 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: Hotwire Communications.

Based on FCC filings for 922 locations within half a mile of this property.

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