618 White St, Key West, FL 33040 Property Records

Monroe County property record for 618 White St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 752 sqft · built 1933
Lot Size	0.057 acres (2,460 sqft)
Owner	2 Company Names on Record
Last Sale	$1,237,500 (Apr 2023)
Tax Bill	$9,194 (2024)
Deeds & Mortgages	Nov 2023 Transfer Apr 2023 Sale + 5 more
Flood Zone	Zone AE (high risk)
APN	`00010210-000000`

Property Details

APN / Parcel Number

Primary APN	`00010210-000000`
Alternative APNs	`01010100010210000000` `1010499`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	752 sqft Living Area
1st Floor Area	752 sqft
Attic	Attic
Attic Area	840 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2018
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,460 sqft (0.057 acres)
Lot Dimensions	90 ft deep x 27 ft wide

Exterior Amenities

Pool Area	128 sqft
Porch	Open Porch
Porch Area	168 sqft
Deck Area	520 sqft
Patio Area	570 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1010499
Street Address	618 WHITE ST
City	KEY WEST
State	FL
Zip	33040-7153
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW PT LOT 1 SQR 55 (PT LT 22 - BOOK I PAGES 36-37) H1-510 OR1693-2168/70 OR1973-218/20 OR2364-506/12 OR2625-1339/41 OR2925-2008 OR3128-0902 OR3220-0908 OR3249-1375
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	WILLIAM A WHITEHEADS MAP OF KEY WEST
Legal Lot Number	1,22
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3007
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	2 Company Names on Record
Mailing Address	6854 NEW ALBANY CONDIT RD, NEW ALBANY, OH 43054-8573
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 13, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 13, 2023	Warranty Deed, Transfer · Conventional Mortgage THE STATE BANK & TRUST CO
Sep 28, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jul 23, 2019	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Sep 7, 2018	Warranty Deed, Transfer · Stand-Alone Second Mortgage LC EQUIPMENT INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2023 · Amount on Record
Deed Sale	Apr 13, 2023 · Amount on Record
Prior Sale	Sep 28, 2021 · Amount on Record
Deed Document Number	20232413817
Deed Book / Page	3220 / 908
Last Transfer Date	Oct 11, 2023
Transfer Doc	0032491375
Record Updated	Jun 8, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Nov 2, 2023
Property Address	618 WHITE ST, KEY WEST, FL 33040-7153
Document Number	0032491375
Book / Page	3249 / 1375
Map Reference	MB I PG 36&37
Instrument Date	Oct 11, 2023
Instrument	2438969
Transaction Type	Transfer
Record Updated	Nov 22, 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
Address	6854 NEW ALBANY CONDIT RD, NEW ALBANY, OH 43054-8573

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6854 NEW ALBANY CONDIT RD, NEW ALBANY, OH 43054-8573

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 13, 2023
Property Address	618 WHITE ST, KEY WEST, FL 33040-7153
Document Number	0032200908
Book / Page	3220 / 908
Map Reference	MB I PG 36&37
Instrument Date	Apr 10, 2023
Instrument	2413817
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$8,662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1424 WHITE ST, KEY WEST, FL 33040-4800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6854 NEW ALBANY CONDIT RD, NEW ALBANY, OH 43054-8573

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 13, 2023
Property Address	618 WHITE ST, KEY WEST, FL 33040-7153
Document Number	0032200908
Book / Page	3220 / 908
Map Reference	MB I PG 36&37
Instrument Date	Apr 10, 2023
Instrument	2413817
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1424 WHITE ST, KEY WEST, FL 33040-4800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6854 NEW ALBANY CONDIT RD, NEW ALBANY, OH 43054-8573

Mortgage

Document Number	0003220910
Date	Apr 13, 2023
Instrument	3220/910

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year T-Bill
Max Rate	12.5%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 28, 2021
Property Address	618 WHITE ST, KEY WEST, FL 33040-7153
Document Number	0031280902
Book / Page	3128 / 902
Map Reference	MB I PG 36&37
Instrument Date	Sep 24, 2021
Instrument	2341701
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$8,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 JACKSON ST APT 201, 5, CAPE MAY, NJ 08204-1479

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 FOSTER PL, CAMBRIDGE, MA 02138-4827

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	618 WHITE ST, KEY WEST, FL 33040-7153
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029641801
Date	May 16, 2019
Book Page	2964/1801
Instrument	2220531

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	618 WHITE ST, KEY WEST, FL 33040-7153
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029760697
Date	Jul 23, 2019
Book Page	2976/0697
Instrument	2229667

Lender

Name	QUORUM FEDERAL CU
Type	Bank
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 7, 2018
Property Address	618 WHITE ST, KEY WEST, FL 33040-7153
Document Number	0029252008
Book / Page	2925 / 2008
Map Reference	MB1 PG36&37
Instrument Date	Sep 4, 2018
Instrument	2185626
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,830.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6504 VANDA LN, 6504, LAND O LAKES, FL 34637-3380

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 BERWYN DR, OCEAN VIEW, NJ 08230-1461

Mortgage

Document Number	0002185629
Date	Sep 7, 2018
Instrument	2185629

Lender

Name	LC EQUIPMENT INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2048

Mortgage

Document Number	0029252015
Date	Sep 7, 2018
Book Page	2925/2015
Instrument	2185628

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

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		$1,065,994 (-13%) Land $847,224 Building $218,770	$1,065,994 (-13%) Land $847,224 Building $218,770
2024	$9,194.00 (-9.72%)
2023	$10,184.00 (+14.25%)	$1,225,286 (+19.42%) Land $722,723 Building $502,563	$1,225,286 (+19.42%) Land $722,723 Building $502,563
2022	$8,914.00	$1,026,064 Land $547,596 Building $478,468	$1,026,064 Land $547,596 Building $478,468

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
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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