608 Frances St, Key West, FL 33040 Property Records

Monroe County property record for 608 Frances St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,660 sqft · built 1933
Lot Size	0.053 acres (2,310 sqft)
Owner	Individual Name on Record
Last Sale	$1,025,000 (Apr 2021)
Tax Bill	$11,534 (2024)
Deeds & Mortgages	Aug 2023 Transfer Apr 2021 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00010690-000000`

Property Details

APN / Parcel Number

Primary APN	`00010690-000000`
Alternative APNs	`01010100010690000000` `1010987`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,660 sqft Living Area
1st Floor Area	1,660 sqft
Attic	Attic
Attic Area	1,360 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2017
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,310 sqft (0.053 acres)
Lot Dimensions	55 ft deep x 42 ft wide
Porch	Open Porch
Porch Area	156 sqft
Patio Area	699 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1010987
Street Address	608 FRANCES ST
City	KEY WEST
State	FL
Zip	33040-7123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HHDR
Legal Description	KW PT LOT 2 SQR 56 G33-323/24 G50-202/03 OR551-516 OR1377-2062 OR1377-2065/66 OR1442-120 OR2976-2445 OR3093-0217 OR3236-2175
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 56
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3009
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 (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

Source: Monroe County records, as of December 8, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	822 MARYE ST, FREDERICKSBURG, VA 22401-5627
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 28, 2021	Warranty Deed, Transfer MIDFLORIDA TITLE PROFESSIONALS, FLORIDA TITLE PROFESSIONAL
Jul 26, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2021 · Amount on Record
Deed Sale	Apr 28, 2021 · Amount on Record
Prior Sale	Feb 6, 1997 · Amount on Record
Deed Document Number	20212316539
Deed Book / Page	3093 / 217
Last Transfer Date	Jul 26, 2023
Transfer Doc	0032362175
Record Updated	Jun 8, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Aug 2, 2023
Property Address	608 FRANCES ST, KEY WEST, FL 33040-7123
Document Number	0032362175
Book / Page	3236 / 2175
Instrument Date	Jul 26, 2023
Instrument	2427197
Transaction Type	Transfer
Record Updated	Aug 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 MARYE ST, FREDERICKSBURG, VA 22401-5627

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 28, 2021
Property Address	608 FRANCES ST, KEY WEST, FL 33040-7123
Document Number	0030930217
Book / Page	3093 / 217
Instrument Date	Apr 27, 2021
Instrument	2316539
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	MIDFLORIDA TITLE PROFESSIONALS, FLORIDA TITLE PROFESSIONAL

Transaction

Amount	Amount Recorded
Tax	$7,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	608 FRANCES ST, 608, KEY WEST, FL 33040-7123

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1414 LITTLEPAGE ST, FREDERICKSBURG, VA 22401-4518

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 26, 2019
Property Address	608 FRANCES ST, KEY WEST, FL 33040-7123
Document Number	0029762445
Book / Page	002976 / 002445
Instrument Date	Jul 26, 2019
Instrument	2230228
Transaction Type	Transfer
Record Updated	Aug 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 FRANCES ST KEY WEST FL 330407123, KEY WEST, FL 33040-7123

Mortgage

Document Number	29762448
Date	Jul 26, 2019
Book Page	002976/002448
Instrument	2230229

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

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		$1,708,507 (+12.92%) Land $999,029 Building $709,478	$1,708,507 (+12.92%) Land $999,029 Building $709,478
2024	$11,534.00 (+9.04%)
2023	$10,578.00 (+27.26%)	$1,513,040 (+58.75%) Land $856,398 Building $656,642	$1,513,040 (+58.75%) Land $856,398 Building $656,642
2022	$8,312.00	$953,118 Land $648,879 Building $304,239	$953,118 Land $648,879 Building $304,239

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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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