Monroe County property record for 628 Frances St, Key West, FL 33040
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 639 sqft · built 1942 |
| Lot Size | 0.054 acres (2,366 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $625,000 (Feb 2016) |
| Tax Bill | $5,300 (2024) |
| Flood Zone | Zone X (moderate risk) |
| APN | 00010550-000000 |
| Primary APN | 00010550-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 639 sqft Living Area |
| 1st Floor Area | 639 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 2,366 sqft (0.054 acres) |
| Porch | Open Porch |
| Porch Area | 258 sqft |
| Patio Area | 42 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1010847 |
|---|---|
| Street Address | 628 FRANCES ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-7181 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HHDR |
| Legal Description | KW PT LOT 1 SQR 56 E1-236 OR335-261/64 OR369-1065/66 OR1384-806 OR1632-567/68 OR2470-2408/09 OR2758-1969 OR2782-213/14 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | SUBDIVISION OF LOTS 1 & 4 |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 972800 |
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.
Source: Monroe County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 5224 GINGER TRL, RALEIGH, NC 27614-9659 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 16, 2016 · Amount on Record |
| Deed Sale | Feb 16, 2016 · Amount on Record |
| Deed Document Number | 20162063807 |
| Deed Book / Page | 2782 / 213 |
| Last Transfer Date | Jun 10, 2025 |
| Transfer Doc | 0033320272 |
| Record Updated | Sep 20, 2026 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,211,501 (+99.06%) Land $974,413 Building $237,088 | $1,211,501 (+4.96%) Land $974,413 Building $237,088 | |
| 2024 | $5,300.00 (+3.11%) | ||
| 2023 | $5,140.00 (+4.54%) Homeowner's exemption | $608,622 (+3%) | $1,154,254 (+39.86%) Land $922,740 Building $231,514 |
| 2022 | $4,917.00 Homeowner's exemption | $590,896 | $825,269 Land $590,554 Building $234,715 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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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