620 Thomas St, Apt 284, Key West, FL 33040 Property Records

Monroe County property record for 620 Thomas St, Apt 284, 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	$739,700 (Jan 2023)
Tax Bill	$6,052 (2025)
Deeds & Mortgages	Jan 2023 Sale Oct 2022 Foreclosure
Flood Zone	Zone X (moderate risk)
APN	`00013180-000284`

Property Details

APN / Parcel Number

Primary APN	`00013180-000284`
Alternative APNs	`01010100013180000284` `8802790`

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	8802790
Street Address	620 THOMAS ST, 284
City	KEY WEST
State	FL
Zip	33040-8365
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	HPRD
Legal Description	SHIPYARD, A CONDOMINIUM UNIT 284 & .54644% COMMON ELEMENTS OR1234-2108/09 OR3195-2488 OR3207-2254
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	SHIPYARD CONDO
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2028
Census Tract	972500

Owner

620 Thomas St, Apt 284 is owned by two individuals who bought it in January 2023.

Source: Monroe County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 6422, KEY WEST, FL 33041-6422
Owner Type	Individual

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
Jan 11, 2023	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 3, 2022	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2023 · Amount on File
Deed Sale	Jan 11, 2023 · Amount on File
Prior Sale	Oct 3, 2022 · Amount on File
Deed Document Number	20232403018
Deed Book / Page	3207 / 2254
Record Updated	Oct 29, 2026

January 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 11, 2023
Property Address	620 THOMAS ST APT 284, 284, KEY WEST, FL 33040-8365
Document Number	0032072254
Book / Page	3207 / 2254
Map Reference	MB 1143 PG 2149
Instrument Date	Jan 9, 2023
Instrument	2403018
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$5,177.90
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6422, KEY WEST, FL 33041-6422

October 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONROE FL
Recording Date	Oct 3, 2022
Property Address	620 THOMAS ST APT 284, 284, KEY WEST, FL 33040-8365
Document Number	0031952488
Book / Page	3195 / 2488
Map Reference	MB 1143 PG 2149
Instrument Date	Sep 30, 2022
Instrument	2392951
Transaction Type	Foreclosure
Record Updated	Jan 23, 2024

Transaction

Amount	Amount on Record
Tax	$5,317.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 620 Thomas St, Apt 284 was $6,052, down 1.5% 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	$6,052.00 (-1.51%)	$667,234 Building $667,234	$667,234 Building $667,234
2024	$6,145.00 (+2.81%)
2023	$5,977.00 (+18.01%)	$659,069 (+14.8%) Building $659,069	$659,069 (+14.8%) Building $659,069
2022	$5,065.00	$574,126 Building $574,126	$574,126 Building $574,126

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 284 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 284 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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