620 Thomas St, Apt 281, Key West, FL 33040 Property Records

Monroe County property record for 620 Thomas St, Apt 281, 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	Company Name on Record
Last Sale	$900,000 (Apr 2022)
Tax Bill	$7,095 (2025)
Deeds & Mortgages	Apr 2022 Sale May 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00013180-000281`

Property Details

APN / Parcel Number

Primary APN	`00013180-000281`
Alternative APNs	`01010100013180000281` `8816901`

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	8816901
Street Address	620 THOMAS ST, 281
City	KEY WEST
State	FL
Zip	33040-8365
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	HPRD
Legal Description	UNIT 281 SHIPYARD, A CONDOMINIUM OR1272-1785/86 OR1272-1787/88 OR1390-2054/55 OR1897-1373/77F/J OR1935-247 OR2545-1761/62 OR2740-933/34 OR2779-1594/95 OR2962-1955 OR3170-0654
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	SHIPYARD CONDO
Legal Lot Number	15
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2028
Census Tract	972500

Owner

Source: Monroe County records, as of May 4, 2026

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

Owner of Record	Company Name on Record
Mailing Address	56 S MAIN ST, SUNDERLAND, MA 01375-9505
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Warranty Deed, Transfer ATTORNEY
May 7, 2019	Warranty Deed, Transfer · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2022 · Amount on Record
Deed Sale	Apr 27, 2022 · Amount on Record
Prior Sale	May 7, 2019 · Amount on Record
Deed Document Number	20222372797
Deed Book / Page	3170 / 654
Prior Transfer Date	Dec 22, 2015
Prior Transfer Doc	0027791594
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 27, 2022
Property Address	620 THOMAS ST APT 281, 281, KEY WEST, FL 33040-8365
Document Number	0031700654
Book / Page	3170 / 654
Map Reference	MB 1143 PG 2149
Instrument Date	Apr 25, 2022
Instrument	2372797
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$6,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35521 BONAIRE DR, REHOBOTH BEACH, DE 19971-4800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 S MAIN ST, SUNDERLAND, MA 01375-9505

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 7, 2019
Property Address	620 THOMAS ST APT 281, 281, KEY WEST, FL 33040-8365
Document Number	0029621955
Book / Page	2962 / 1955
Map Reference	MB 1143 PG 2149
Instrument Date	May 6, 2019
Instrument	2218759
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	713 EATON ST, 713, KEY WEST, FL 33040-6843

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35521 BONAIRE DR, REHOBOTH BEACH, DE 19971-4800

Mortgage

Document Number	0029621957
Date	May 7, 2019
Book Page	2962/1957
Instrument	2218760

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 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	$7,095.00 (-5.25%)	$794,088 (-2.69%) Building $794,088	$794,088 (-2.69%) Building $794,088
2024	$7,488.00 (+2.72%)
2023	$7,290.00 (+29.37%)	$816,041 (+26.81%) Building $816,041	$816,041 (+26.81%) Building $816,041
2022	$5,635.00	$643,500 Building $643,500	$643,500 Building $643,500

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 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

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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