610 Duval St, Key West, FL 33040 Property Records

Monroe County property record for 610 Duval St, Key West, FL 33040

Property Summary

Property Type	Mixed Use Commercial/Industrial
Details	3 ba · 3,203 sqft · built 1933
Lot Size	0.103 acres (4,491 sqft)
Owner	Company Name on File
Last Sale	$3,850,000 (Feb 2024)
Tax Bill	$18,184 (2024)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jun 2023 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00012600-000000`

Property Details

APN / Parcel Number

Primary APN	`00012600-000000`
Alternative APNs	`01010100012600000000` `1012971`

Interior

Full Baths	3 Baths
Units	2 Units
Stories	3 Stories
Building Area	3,203 sqft Total Area
1st Floor Area	3,203 sqft

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Fire Resistance	Fireproof Reinforced Concrete
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,491 sqft (0.103 acres)
Porch	Open Porch
Porch Area	91 sqft
Fence	Fence

Location & Zoning

Account Number	1012971
Old Parcel Number	01010100012600000000
Street Address	610 DUVAL ST
City	KEY WEST
State	FL
Zip	33040-6555
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Commercial/Industrial
Legal Description	KW PT LOT 2 SQR 62 G6-5 OR481-201 OR796-2055/56 OR876-153 OR884-1425/26 OR1001-1559 OR1201-1157 OR1411-299 OR1633-747/55
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 62
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1004
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

610 Duval St, a commercial property, is owned by a company that bought it in February 2024.

Source: Monroe County records, as of December 5, 2025

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

Owner of Record	Company Name on File
Mailing Address	3725 FRAN ST, METAIRIE, LA 70001-2729
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Warranty Deed, Transfer · Commercial Mortgage GULF COAST BANK & TRUST CO
Jun 2, 2023	Warranty Deed, Transfer · Line of Credit REGIONAL MISSOURI BANK
May 2, 2019	Loan Modification, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2024 · Amount on File
Deed Sale	Feb 7, 2024 · Amount on File
Prior Sale	Jun 2, 2023 · Amount on File
Deed Document Number	2450427
Deed Book / Page	3261 / 1723
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 7, 2024
Property Address	610 DUVAL ST, KEY WEST, FL 33040-6555
Document Number	0032611723
Book / Page	3261 / 1723
Instrument Date	Jan 31, 2024
Instrument	2450427
Transaction Type	Transfer
Record Updated	Mar 14, 2024

Transaction

Amount	Amount on Record
Tax	$26,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	702 COMMERCIAL ST # ST3A, ST3A, EMPORIA, KS 66801-3091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3725 FRAN ST, METAIRIE, LA 70001-2729

Mortgage

Document Number	0002450428
Date	Feb 7, 2024
Instrument	2450428

Lender

Name	GULF COAST BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	251 Months
Due	Jan 28, 2045

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0032611725
Date	Feb 7, 2024
Book Page	3261/1725
Instrument	2450428

Lender

Name	GULF COAST BANK & TRUST CO
Type	Bank
Address	1825 VETERANS MEMORIAL BLVD, METAIRIE, LA 70005

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	251 Months
Due	Jan 28, 2045

Interest

Rate Type	Adjustable Rate

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 2, 2023
Property Address	610 DUVAL ST, KEY WEST, FL 33040-6555
Document Number	0032281023
Book / Page	3228 / 1023
Instrument Date	May 30, 2023
Instrument	2420412
Transaction Type	Transfer
Record Updated	Jun 27, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7301 SW 57TH CT # CT560, CT560, SOUTH MIAMI, FL 33143-5317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 CONARNERCIAL STREET #3A # 3A, 3A, EMPORIA, KS 66801

Mortgage

Document Number	0032281025
Date	Jun 2, 2023
Book Page	3228/1025
Instrument	2420413

Lender

Name	REGIONAL MISSOURI BANK
Type	Bank
Address	BROOKFIELD, MO 64628

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 31, 2043

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	610 DUVAL ST, KEY WEST, FL 33040-6555
Document Number	0029621705
Instrument Date	May 2, 2019
Transaction Type	Mortgage
Record Updated	Jun 12, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7301 SW 57TH CT #560 SOUTH MIAMI FL 331435334, 560, SOUTH MIAMI, FL 33143-5334

Mortgage

Document Number	0029621705
Date	May 6, 2019
Book Page	002962/001705
Instrument	2218662

Lender

Name	BRANCH BK&TR
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	May 5, 2026

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$2,755,159 Land $2,255,400 Building $499,759	$2,755,159 Land $2,255,400 Building $499,759
2024	$18,184.00 (+33.26%)
2023	$13,645.00 (+6.38%)	$2,139,358 (+1.62%) Land $1,772,100 Building $367,258	$2,139,358 (+1.62%) Land $1,772,100 Building $367,258
2022	$12,827.00	$2,105,231 Land $1,772,100 Building $333,131	$2,105,231 Land $1,772,100 Building $333,131

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

Flood

FEMA maps place 610 Duval St in Zone X, an area of minimal 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 minimal risk
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 610 Duval 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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