620 Thomas St, Apt 290, Key West, FL 33040 Property Records

Monroe County property record for 620 Thomas St, Apt 290, Key West, FL 33040

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 646 sqft · built 1991
Lot Size	5.69 acres (248,108 sqft)
Owner	Individual Name on File
Last Sale	$663,000 (Apr 2018)
Tax Bill	$6,675 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2018 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00013180-000290`

Property Details

APN / Parcel Number

Primary APN	`00013180-000290`
Alternative APNs	`01010100013180000290` `8802862`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	646 sqft Living Area

Exterior

Year Built	Built 1991
Lot Area	248,108 sqft

Location & Zoning

Account Number	8802862
Old Parcel Number	01010100013180000290
Street Address	620 THOMAS ST APT 290, 290
City	KEY WEST
State	FL
Zip	33040-8365
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	SHIPYARD, A CONDOMINIUM UNIT 290 OR1223-2334/35 OR1406-2481/82 OR1599-999/1000 OR1768-1613/14 OR2899-467/68
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 290 is owned by an individual who bought it in April 2018.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	493 MARSHALL MILL RD, FRANKLINVILLE, NJ 08322-2029
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
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 20, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Apr 3, 2018	Warranty Deed, Transfer · Conventional Mortgage IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2018 · Amount on File
Deed Sale	Apr 3, 2018 · Amount on File
Prior Sale	Mar 15, 2002 · Amount on File
Deed Document Number	2162392
Deed Book / Page	2899 / 0467
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	620 THOMAS ST APT 290, 290, KEY WEST, FL 33040-8365
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030310329
Date	Jul 10, 2020
Book Page	3031/329
Instrument	2272611

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 20, 2018
Property Address	620 THOMAS ST APT 290, 290, KEY WEST, FL 33040-8365
Document Number	0029021141
Book / Page	002902 / 001141
Instrument Date	Apr 16, 2018
Instrument	2165261
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$10,500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	610 VIA RAVELLO #208 IRVING TX 750393097, 208, IRVING, TX 75039-3097

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 3, 2018
Property Address	620 THOMAS ST APT 290, 290, KEY WEST, FL 33040-8365
Document Number	0028990467
Book / Page	2899 / 0467
Map Reference	MB1143 PG2149
Instrument Date	Apr 3, 2018
Instrument	2162392
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,641.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1209 GEORGIA ST, 1209, KEY WEST, FL 33040-3433

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 MARSHALL MILL RD, FRANKLINVILLE, NJ 08322-2029

Mortgage

Document Number	0028990469
Date	Apr 3, 2018
Book Page	2899/0469
Instrument	2162393

Lender

Name	IBERIABANK
Type	Bank
Address	LAFAYETTE, LA 70501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$711,850 Building $711,850	$711,850 Building $711,850
2024	$6,675.00 (+6.02%)
2023	$6,296.00 (+12.27%)	$731,533 (+14.31%) Building $731,533	$731,533 (+14.31%) Building $731,533
2022	$5,608.00	$639,928 Building $639,928	$639,928 Building $639,928

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 290 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 290 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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