620 Thomas St, Apt 176, Key West, FL 33040 Property Records

Monroe County property record for 620 Thomas St, Apt 176, Key West, FL 33040

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 646 sqft · built 1991
Lot Size	5 acres (248,108 sqft)
Owner	2 Individual Names on File
Last Sale	$840,000 (Mar 2026)
Tax Bill	$6,031 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00013180-000176`

Property Details

APN / Parcel Number

Primary APN	`00013180-000176`
Alternative APN	`8816642`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	199 Units
Building Area	646 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Condo/Apartment
Lot Area	248,108 sqft (5 acres)

Location & Zoning

Account Number	8816642
Street Address	620 THOMAS ST, 176
City	KEY WEST
State	FL
Zip	33040-8361
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	HPRD
Legal Description	SHIPYARD, A CONDOMINIUM UNIT 176 OR1267-1879/80 OR1267-1881/82 OR1357-1116/18 OR1541-1349/50 OR1556-590/91 OR3018-2116
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	SHIPYARD CONDO
Legal Lot Number	176
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2028
Census Tract	972500

Owner

620 Thomas St, Apt 176 is owned and occupied by two individuals who bought it in March 2026.

Source: Monroe County records, as of July 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	620 THOMAS ST, 176, KEY WEST, FL 33040-8361
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 16, 2026	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Apr 21, 2020	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026 · Amount on File
Deed Sale	Mar 16, 2026 · Amount on File
Prior Sale	Apr 21, 2020 · Amount on File
Deed Document Number	20262535896
Deed Book / Page	3371 / 674
Transfer Doc	1541001349
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 16, 2026
Property Address	620 THOMAS ST APT 176, 176, KEY WEST, FL 33040-8361
Document Number	0033710674
Book / Page	3371 / 674
Map Reference	MB 1143 PG 2149
Instrument Date	Mar 11, 2026
Instrument	2535896
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,880.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1457 OLD SWEDE RD, DOUGLASSVILLE, PA 19518-8928

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 THOMAS ST APT 176, 176, KEY WEST, FL 33040-8361

Mortgage

Document Number	0003371676
Date	Mar 16, 2026
Instrument	3371/676

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 21, 2020
Property Address	620 THOMAS ST APT 176, 176, KEY WEST, FL 33040-8361
Document Number	0030182116
Book / Page	003018 / 002116
Instrument Date	Apr 16, 2020
Instrument	2263670
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$441.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1457 OLD SWEDE RD DOUGLASSVILLE PA 195188928, DOUGLASSVILLE, PA 19518-8928

Mortgage

Document Number	30182118
Date	Apr 21, 2020
Book Page	003018/002118
Instrument	2263671

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 20, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 620 Thomas St, Apt 176 was $6,031, down 3.2% 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	$6,031.00 (-3.21%)	$664,695 Building $664,695	$664,695 Building $664,695
2024	$6,231.00 (+6.01%)
2023	$5,878.00 (+12.3%)	$683,268 (+14.54%) Building $683,268	$683,268 (+14.54%) Building $683,268
2022	$5,234.00	$596,549 Building $596,549	$596,549 Building $596,549

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

Flood

FEMA maps place 620 Thomas St, Apt 176 in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 File median of 307 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	746 units insured incl. 439 condo units
Nearby Flood Claims	53 (2005–2017)
Claims Outside the SFHA	5 of 53
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 50 claims Hurricane Wilma, Oct 2005 · 2 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 620 Thomas St, Apt 176 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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