620 White St, Key West, FL 33040 Property Records

Monroe County property record for 620 White St, Key West, FL 33040

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 2 ba · 1,031 sqft · built 1933
Lot Size	0.053 acres (2,351 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Feb 2026)
Tax Bill	$7,611 (2024)
Deeds & Mortgages	Feb 2026 Sale Jul 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00010200-000000`

Property Details

APN / Parcel Number

Primary APN	`00010200-000000`
Alternative APNs	`01010100010200000000` `1010481`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,031 sqft Total Area
1st Floor Area	1,031 sqft
Attic	Attic
Attic Area	640 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2012
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,351 sqft (0.053 acres)
Lot Dimensions	90 ft deep x 26 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	100 sqft
Patio Area	345 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1010481
Old Parcel Number	01010100010200000000
Street Address	620 WHITE ST
City	KEY WEST
State	FL
Zip	33040-7153
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	KW PT LOT 1 SQR 55 G13-592 OR797-444 OR915-173 OR985-252 OR1247-145 OR1361-695 OR1373-199 OR1615-485 OR1692-1471 OR3111-0558
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KEY WEST SQUARE 55
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3007
Census Tract	972800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Key West Historic District (Boundary Increase) listed 1983 · 2,494 contributing resources · NRIS 83001430

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Monroe County records, as of March 12, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	903 PEACHTREE ST NE UNIT 2517, 2517, ATLANTA, GA 30309-4913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 9, 2021	Warranty Deed, Transfer · FHA Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2026 · Amount on Record
Deed Sale	Feb 24, 2026 · Amount on Record
Prior Sale	Jul 9, 2021 · Amount on Record
Deed Document Number	2533389
Deed Book / Page	3367 / 2196
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 24, 2026
Property Address	620 WHITE ST, KEY WEST, FL 33040-7153
Document Number	0033672196
Book / Page	3367 / 2196
Instrument Date	Feb 23, 2026
Instrument	2533389
Transaction Type	Transfer
Record Updated	Mar 13, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$5,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3158 NORTHSIDE DR, KEY WEST, FL 33040-8025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 PEACHTREE ST NE UNIT 2517, 2517, ATLANTA, GA 30309-4913

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 9, 2021
Property Address	620 WHITE ST, KEY WEST, FL 33040-7153
Document Number	0031110558
Book / Page	3111 / 558
Instrument Date	Jul 2, 2021
Instrument	2329285
Transaction Type	Transfer
Record Updated	Jul 30, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	620 WHITE ST, 620, KEY WEST, FL 33040-7153

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	620 WHITE ST, KEY WEST, FL 33040-7153

Mortgage

Document Number	3111560
Date	Jul 9, 2021
Instrument	3111/560

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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		$873,952 (+9.61%)	$967,930 (+6.68%) Land $607,202 Building $360,728
2024	$7,611.00 (+12.29%)
2023	$6,778.00 (+13.34%) Homeowner's exemption	$797,338 (+21.28%)	$907,359 (+38.02%) Land $558,090 Building $349,269
2022	$5,980.00 Homeowner's exemption	$657,409 Land $422,660 Building $234,749	$657,409 Land $422,660 Building $234,749

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 248 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	259 units insured incl. 11 condo units
Nearby Flood Claims	11 (2005–2025)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Wilma, Oct 2005 · 3 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 922 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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