620 Thomas St, Apt 291, Key West, FL 33040 Property Records

Monroe County property record for 620 Thomas St, Apt 291, 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 Trust Names on File
Last Sale	$690,000 (Apr 2026)
Tax Bill	$5,835 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00013180-000291`

Property Details

APN / Parcel Number

Primary APN	`00013180-000291`
Alternative APNs	`01010100013180000291` `8802871`

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	8802871
Street Address	620 THOMAS ST, 291
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 291 & .54644% COMMON ELEMENTS OR1230-1085/1086 OR1562-633 OR1591-270Q/C OR1698-235/36 OR1700-1368/70AFF OR1986-501/03 OR2030-940/42C
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 291 is held in a trust since April 2026.

Source: Monroe County records, as of June 30, 2026

Owner of Record	2 Trust Names on File
Mailing Address	539 BARRINGTON PL SW, OCEAN ISLE BEACH, NC 28469-0536
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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
Apr 13, 2026	Warranty Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORPORATION
Apr 13, 2026	Warranty Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2026 · Amount on File
Deed Sale	Apr 13, 2026 · Amount on File
Prior Sale	Mar 23, 2004 · Amount on File
Deed Document Number	20262539219
Deed Book / Page	3375 / 1442
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 13, 2026
Property Address	620 THOMAS ST, 291, KEY WEST, FL 33040-8365
Document Number	0002539219
Book / Page	3375 / 1442
Instrument Date	Apr 10, 2026
Instrument	2026.2539219
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487,830.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	539 BARRINGTON PL SW, OCEAN ISLE BEACH, NC 28469-0536

Mortgage

Document Number	0002539220,
Date	Apr 13, 2026
Instrument	2026..2539220

Lender

Name	MASON MCDUFFIE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 13, 2026
Property Address	620 THOMAS ST, 291, KEY WEST, FL 33040-8365
Document Number	0033751442
Book / Page	3375 / 1442
Instrument Date	Apr 10, 2026
Instrument	20262539219
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487,830.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	539 BARRINGTON PL SW, OCEAN ISLE BEACH, NC 28469-0536

Mortgage

Document Number	0002539220,
Date	Apr 13, 2026
Book Page	3375/1444
Instrument	20262539220

Lender

Name	MASON MCDUFFIE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 620 Thomas St, Apt 291 was $5,835, down 3.3% 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	$5,835.00 (-3.3%)	$640,900 Building $640,900	$640,900 Building $640,900
2024	$6,034.00 (+6.03%)
2023	$5,691.00 (+12.36%)	$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 291 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 291 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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