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628 William St, Key West, FL 33040 Property Records

Monroe County property record for 628 William St, Key West, FL 33040 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,524 sqft · built 1928
Lot Size0.067 acres (2,931 sqft)
Owner2 Individual Names on File
Last Sale$2,595,000 (Nov 2025)
Tax Bill$17,259 (2024)
Deeds & MortgagesNov 2025 Sale
Jan 2024 Line of Credit
+ 3 more
Flood ZoneZone X (moderate risk)
APN00011610-000000

Property Details

APN / Parcel Number

Primary APN00011610-000000
Alternative APNs
  • 01010100011610000000
  • 1011924

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,524 sqft Living Area
1st Floor Area1,524 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1928
Effective Year BuiltEffective 2018
Exterior MaterialWood
Construction TypeWood
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area2,931 sqft (0.067 acres)
Lot Dimensions69 ft deep x 44 ft wide

Exterior Amenities

Pool Area216 sqft
PorchOpen Porch
Porch Area231 sqft
Patio Area765 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1011924
Street Address628 WILLIAM ST
CityKEY WEST
StateFL
Zip33040-6842
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKW PT LT 1 SQR 59 H2-119 E2-535 OR538-411 OR643-348 OR948-2318 OR988-2313 OR1129-2410 OR1222-770 OR1297-1807 OR1379-1616 OR1836-1486 OR1952-1297 OR2211-474 OR2452-2224 OR2564-2280 OR3162-0789 OR3257-0280
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionWILLIAM A WHITEHEADS
Legal Lot Number1
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group3
Census Block3008
Census Tract972400

Owner

Source: Monroe County records · APN 00011610-000000

Assessment roll updated December 8, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address3500 HESS RD, MONKTON, MD 21111-2216
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Nov 18, 2025Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jan 22, 2024Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Jan 02, 2024Warranty Deed, Transfer
Mar 21, 2022Warranty Deed, Transfer
ATTORNEY
Nov 14, 2018Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 18, 2025 · Amount on Record
Deed SaleNov 18, 2025 · Amount on Record
Prior SaleMar 21, 2022 · Amount on Record
Deed Document Number20252522432
Deed Book / Page3353 / 2198
Prior Transfer DateDec 28, 2023
Prior Transfer Doc0032570280
Record UpdatedSep 20, 2026

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateNov 18, 2025
Property Address628 WILLIAM ST, KEY WEST, FL 33040-6842
Document Number0033532198
Book / Page3353 / 2198
Instrument DateNov 13, 2025
Instrument2522432
Transaction TypeTransfer
Record UpdatedDec 03, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$18,165.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10359 W BUCKTAIL DR, BOISE, ID 83714-9518

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3500 HESS RD, MONKTON, MD 21111-2216

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address628 WILLIAM ST, KEY WEST, FL 33040-6842
Transaction TypeMortgage
Record UpdatedFeb 09, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address628 WILLIAM ST, KEY WEST, FL 33040-6842

Mortgage

Document Number0032590668
DateJan 22, 2024
Book Page3259/668
Instrument2448421
Lender
NamePNC BANK NA
TypeBank
Address222 DELAWARE AVE, WILMINGTON, DE 19801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueJan 12, 2064
Interest
Change FrequencyMonthly

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJan 02, 2024
Property Address628 WILLIAM ST, KEY WEST, FL 33040-6842
Document Number0032570280
Book / Page3257 / 280
Instrument DateDec 01, 2023
Instrument2446550
Transaction TypeTransfer
Record UpdatedFeb 01, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1500 ATLANTIC BLVD APT 314, 314, KEY WEST, FL 33040-5070

Transferred To (Grantee/Buyer)

NameVerified Name
Address2606 RAGUSA CT, HENDERSON, NV 89052-4107

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMar 21, 2022
Property Address628 WILLIAM ST, KEY WEST, FL 33040-6842
Document Number0031620789
Book / Page3162 / 789
Instrument DateMar 16, 2022
Instrument2366805
Transaction TypeTransfer
Record UpdatedJun 07, 2023
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
Tax$14,875.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1500 ATLANTIC BLVD APT 314, 1500, KEY WEST, FL 33040-5070

Transferred To (Grantee/Buyer)

NameVerified Name
Address2606 RAGUSA CT, HENDERSON, NV 89052-4107

November 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address628 WILLIAM ST, KEY WEST, FL 33040-6842
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029352408
DateNov 14, 2018
Book Page2935/2408
Instrument2194328
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueDec 01, 2033

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$2,066,715 (+12.09%) Land $1,219,765 Building $846,950$2,066,715 (+12.09%) Land $1,219,765 Building $846,950
2024$17,259.00 (+8.66%)
2023$15,883.00 (+99.46%)$1,843,755 (+93.71%) Land $1,045,620 Building $798,135$1,843,755 (+8.34%) Land $1,045,620 Building $798,135
2022$7,963.00 Homeowner's exemption$951,833$1,701,880 Land $792,249 Building $909,631

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardModerate
500-Year FloodplainYes
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin 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.

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