Monroe County property record for 643 William St, Key West, FL 33040 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,122 sqft · built 1938 |
| Lot Size | 0.162 acres (7,091 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,700,000 (May 2007) |
| Tax Bill | $16,193 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00018550-000000 |
| Primary APN | 00018550-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,122 sqft Living Area |
| 1st Floor Area | 1,978 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,091 sqft (0.162 acres) |
| Lot Dimensions | 151 ft deep x 50 ft wide |
| Pool Area | 435 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 639 sqft |
| Patio Area | 1,361 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1019101 |
|---|---|
| Old Parcel Number | 01010100018550000000 |
| Street Address | 643 WILLIAM ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6849 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KW PT OF TR 5 H3-70 OR522-740 OR641-167/68 OR709-78/79 OR790-288 OR1170-169 OR1342-289/91 OR1573-171 OR1681-1527/29 OR2294-90 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | KEY WEST SQUARE 01 TR 05 |
| Legal Tract | 5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 972400 |
Source: Monroe County records · APN 00018550-000000
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 643 WILLIAM ST, KEY WEST, FL 33040-6849 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 14, 2007 · Amount on Record |
| Deed Sale | May 14, 2007 · Amount on Record |
| Prior Sale | Mar 13, 2001 |
| Deed Document Number | 1642771 |
| Deed Book / Page | 2294 / 0090 |
| Record Updated | Jun 08, 2026 |
Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,888,154 (+4.79%) Land $1,730,916 Building $1,157,238 | $2,888,154 (+4.79%) Land $1,730,916 Building $1,157,238 | |
| 2024 | $16,193.00 (+5.14%) | ||
| 2023 | $15,402.00 (+40.47%) | $2,756,191 (+73.23%) Land $1,639,125 Building $1,117,066 | $2,756,191 (+73.23%) Land $1,639,125 Building $1,117,066 |
| 2022 | $10,965.00 | $1,591,046 Land $1,049,040 Building $542,006 | $1,591,046 Land $1,049,040 Building $542,006 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879724003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 6.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 285 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 328 units insured 43 under condo master policies |
| Nearby Flood Claims | 89 (1980–2025) |
| Claims Outside the SFHA | 43 of 89 |
| Most Recent Claim | Oct 2025, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 922 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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