604 Whitehead St, Key West, FL 33040 Property Records

Monroe County property record for 604 Whitehead St, Key West, FL 33040

Property Summary

Property Type	Commercial Office
Details	1,436 sqft · built 1940
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Company Names on File
Last Sale	$1,500,000 (Jul 2026)
Tax Bill	$12,876 (2025)
Deeds & Mortgages	Jul 2026 Sale May 2020 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00012950-000000`

Property Details

APN / Parcel Number

Primary APN	`00012950-000000`
Alternative APNs	`01010100012950000000` `1013340`

Interior

Stories	1 Story
Building Area	1,436 sqft Gross Area
1st Floor Area	1,436 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Concrete Block
Fire Resistance	Fireproof Reinforced Concrete
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Location & Zoning

Account Number	1013340
Street Address	604 WHITEHEAD ST
City	KEY WEST
State	FL
Zip	33040-6549
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	HRO
Legal Description	KW PT LOT 2 SQR 63 G49-87 OR791-6 OR808-1676 OR993-926 OR1020-695 OR1445-385/86 OR1449-1313/14 OR1470-842/43 OR1789-524/525 OR2289-139/40 OR2344-458/59 OR3021-1545
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	ISLAND OF KEY WEST
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1008
Census Tract	972400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within 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.

Owner

604 Whitehead St, a commercial property, is owned by a company that bought it in July 2026.

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

Owner of Record	2 Company Names on File
Mailing Address	1207 WHITEHEAD ST, KEY WEST, FL 33040-7526
Owner Type	Company
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 11, 2020	Warranty Deed, Transfer · Line of Credit TRUIST BANK
Jan 25, 2017	Grant Deed, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2026 · Amount on File
Deed Sale	Jul 6, 2026 · Amount on File
Prior Sale	May 11, 2020 · Amount on File
Deed Document Number	20262550435
Deed Book / Page	3390 / 1293
Transfer Doc	1393000780
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 6, 2026
Property Address	604 WHITEHEAD ST, KEY WEST, FL 33040-6549
Document Number	0002550435
Book / Page	3390 / 1293
Instrument Date	Jun 30, 2026
Instrument	20262550435
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$1,060,500.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	1207 WHITEHEAD ST, KEY WEST, FL 33040-7526

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 11, 2020
Property Address	604 WHITEHEAD ST, KEY WEST, FL 33040-6549
Document Number	0030211545
Book / Page	3021 / 1545
Instrument Date	May 4, 2020
Instrument	2265583
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	604 WHITEHEAD ST # 608, 604, KEY WEST, FL 33040-6549

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 WHITEHEAD ST, KEY WEST, FL 33040-6549

Mortgage

Document Number	0030211549
Date	May 11, 2020
Instrument	3021/1549

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

January 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Jan 25, 2017
Property Address	604 WHITEHEAD ST, KEY WEST, FL 33040-6549
Document Number	0028361040
Book / Page	002836 / 001040
Instrument Date	Jan 19, 2017
Instrument	2108116
Transaction Type	Mortgage
Record Updated	Mar 13, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	608 WHITEHEAD ST KEY WEST FL 330406549, KEY WEST, FL 33040-6549

Mortgage

Document Number	28361040
Date	Jan 25, 2017
Book Page	002836/001040
Instrument	2108116

Lender

Name	BRANCH BK&TR
Type	Bank
Address	1010 KENNEDY DR # 100, KEY WEST, FL 33040-4133

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 604 Whitehead St was $12,876, up 8.4% from the year before.

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	$12,876.00 (+8.45%)	$1,523,885 Land $1,395,000 Building $128,885	$1,523,885 Land $1,395,000 Building $128,885
2024	$11,873.00 (+4.57%)
2023	$11,354.00 (+7.04%)	$1,409,166 (-0.27%) Land $1,278,750 Building $130,416	$1,409,166 (-0.27%) Land $1,278,750 Building $130,416
2022	$10,607.00	$1,412,940 Land $1,278,750 Building $134,190	$1,412,940 Land $1,278,750 Building $134,190

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

Flood

FEMA maps place 604 Whitehead St in Zone X, an area of moderate flood risk, though there have been 84 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 148 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	180 units insured incl. 32 condo units
Nearby Flood Claims	84 (1980–2022)
Claims Outside the SFHA	41 of 84
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 23 claims Hurricane Wilma, Oct 2005 · 30 claims Hurricane Georges, Sep 1998 · 18 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

The area around 604 Whitehead 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 993 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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