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620 Thomas St, Apt 286, Key West, FL 33040 Property Records

Monroe County property record for 620 Thomas St, Apt 286, Key West, FL 33040

Property Summary

Property TypeCondominium
Details1 bd · 1 ba · 580 sqft · built 1991
Lot Size5 acres (248,108 sqft)
OwnerCompany Name on Record
Last Sale$830,000 (Dec 2024)
Tax Bill$5,775 (2024)
Deeds & MortgagesSep 2019 Mortgage
Flood ZoneZone X (moderate risk)
APN00013180-000286

Property Details

APN / Parcel Number

Primary APN00013180-000286
Alternative APNs
  • 01010100013180000286
  • 8802811

Interior

Bedrooms1 Bed
Full Baths1 Bath
Units199 Units
Building Area580 sqft Living Area

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Architectural StyleCondo/Apartment
Lot Area248,108 sqft (5 acres)

Location & Zoning

Account Number8802811
Street Address620 THOMAS ST, 286
CityKEY WEST
StateFL
Zip33040-8365
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeHPRD
Legal DescriptionUNIT 286 SHIPYARD, A CONDOMINIUM OR1233-2299 OR1339-1820 OR1435-2008 OR1469-134 OR1704-933 OR1876-1950 OR2669-2154 OR3304-1594 OR3304-1598
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionSHIPYARD CONDO
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group2
Census Block2028
Census Tract972500

Owner

Source: Monroe County records, as of December 29, 2025

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

Owner of RecordCompany Name on Record
Mailing Address5839 BUFFRIDGE TRL, DALLAS, TX 75252-2331
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 19, 2024 · Amount on Record
Deed SaleDec 19, 2024 · Amount on Record
Prior SaleJun 18, 2013 · Amount on Record
Deed Document Number20242484223
Deed Book / Page3304 / 1598
Prior Transfer DateDec 12, 2024
Prior Transfer Doc0002484221
Record UpdatedSep 20, 2026

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address620 THOMAS ST APT 286, 286, KEY WEST, FL 33040-8365
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029840723
DateSep 11, 2019
Book Page2984/0723
Instrument2236151
Lender
NameFIRST STATE BANK OF THE FLORIDA KEYS
TypeBank
AddressKEY WEST, FL 33041
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term240 Months
DueSep 5, 2039

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$676,938 (+7.72%) Building $676,938$676,938 (+7.72%) Building $676,938
2024$5,775.00 (+6%)
2023$5,448.00 (+12.31%)$628,442 (+14.77%) Building $628,442$628,442 (+14.77%) Building $628,442
2022$4,851.00$547,583 Building $547,583$547,583 Building $547,583

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 307 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies746 units insured
incl. 439 condo units
Nearby Flood Claims53 (2005–2017)
Claims Outside the SFHA5 of 53
Most Recent ClaimSep 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 RiskNot 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

ProviderMax 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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