628 White St, Key West, FL 33040 Property Records

Monroe County property record for 628 White St, Key West, FL 33040

Property Summary

Property Type	Triplex
Details	5 bd · 4.5 ba · 3,350 sqft · built 1939
Lot Size	0.138 acres (6,030 sqft)
Owner	Company Name on Record
Last Sale	$3,450,000 (Feb 2022)
Tax Bill	$19,041 (2024)
Deeds & Mortgages	Feb 2022 Sale Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00010180-000000`

Property Details

APN / Parcel Number

Primary APN	`00010180-000000`
Alternative APNs	`01010100010180000000` `1010464`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Units	3 Units
Stories	2 Stories
Building Area	3,350 sqft Living Area
1st Floor Area	1,850 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2019
Architectural Style	Triplex
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,030 sqft (0.138 acres)
Lot Dimensions	90 ft deep x 67 ft wide
Garage Type	Covered
Garage Area	351 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	729 sqft
Deck Area	1,515 sqft
Patio Area	2,528 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1010464
Street Address	628 WHITE ST
City	KEY WEST
State	FL
Zip	33040-7153
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	HMDR
Legal Description	KW PT LOT 1 SQR 55 (LT 24 - BOOK I PAGES 36-37) QQ-291 UU-378 OR1528-362 OR1746-1558 OR2183-585 OR2697-614 OR2874-1653 OR3157-0214
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	ON THE ISLAND OF KEY WEST
Legal Lot Number	1,24
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 April 14, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1110 ROBERTS BLVD NW, KENNESAW, GA 30144-7054
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 22, 2019	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Oct 12, 2017	Warranty Deed, Transfer · Conventional Mortgage KEYS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2022 · Amount on Record
Deed Sale	Feb 24, 2022 · Amount on Record
Prior Sale	Oct 12, 2017 · Amount on Record
Deed Document Number	20222363039
Deed Book / Page	3157 / 214
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 24, 2022
Property Address	628 WHITE ST, KEY WEST, FL 33040-7153
Document Number	0031570214
Book / Page	3157 / 214
Map Reference	MB 1 PG 36
Instrument Date	Feb 22, 2022
Instrument	2363039
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$24,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 6368, KEY WEST, FL 33041-6368

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 ROBERTS BLVD NW, KENNESAW, GA 30144-7054

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	628 WHITE ST, KEY WEST, FL 33040-7153
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029451386
Date	Jan 22, 2019
Book Page	2945/1386
Instrument	2202736

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 12, 2017
Property Address	628 WHITE ST, KEY WEST, FL 33040-7153
Document Number	0028741653
Book / Page	2874 / 1653
Instrument Date	Oct 12, 2017
Instrument	2139551
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2204 COLEWOOD LN, 2204, DOVER, FL 33527-6362

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 WHITE ST, KEY WEST, FL 33040-7153

Mortgage

Document Number	0002139554
Date	Oct 12, 2017
Instrument	2139554

Lender

Name	KEYS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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		$2,142,172 (+6.53%) Land $1,033,301 Building $1,108,871	$2,142,172 (+6.53%) Land $1,033,301 Building $1,108,871
2024	$19,041.00 (+4.54%)
2023	$18,214.00 (+38.32%)	$2,010,900 (+12.24%) Land $949,725 Building $1,061,175	$2,010,900 (+12.24%) Land $949,725 Building $1,061,175
2022	$13,168.00	$1,791,590 Land $719,258 Building $1,072,332	$1,791,590 Land $719,258 Building $1,072,332

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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	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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