Monroe County property record for 646 William St, Key West, FL 33040
| Property Type | Quadplex |
|---|---|
| Details | 5 bd · 7 ba · 3,489 sqft · built 1928 |
| Lot Size | 0.095 acres (4,116 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $13,849 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 00018810-000000 |
| Primary APN | 00018810-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 7 Baths |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 3,489 sqft Living Area |
| 1st Floor Area | 819 sqft |
| Attic | Attic |
| Attic Area | 1,780 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Quadruplex |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,116 sqft (0.095 acres) |
| Lot Dimensions | 78 ft deep x 65 ft wide |
| Porch | Open Porch |
| Porch Area | 586 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|
| Account Number | 1019453 |
|---|---|
| Street Address | 646 WILLIAM ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6842 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Quadplex |
| Local Zoning Code | HHDR |
| Legal Description | KW PT OF TR 5 C3-569 OR575-208/11 OR1657-470/71 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | TRACT 005 |
| Legal Tract | 5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 972400 |
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 September 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2604 SEIDENBERG AVE, KEY WEST, FL 33040-3949 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 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 | $13,849.00 (+8.54%) | $1,567,206 (+2.4%) Land $1,087,704 Building $479,502 | $1,567,206 (+2.4%) Land $1,087,704 Building $479,502 |
| 2024 | $12,759.00 (+4.01%) | ||
| 2023 | $12,267.00 (+16.39%) | $1,530,403 (+29.5%) Land $1,065,200 Building $465,203 | $1,530,403 (+29.5%) Land $1,065,200 Building $465,203 |
| 2022 | $10,540.00 | $1,181,793 Land $710,133 Building $471,660 | $1,181,793 Land $710,133 Building $471,660 |
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 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 285 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 328 units insured incl. 43 condo units |
| Nearby Flood Claims | 89 (1980–2025) |
| Claims Outside the SFHA | 43 of 89 |
| Most Recent Claim | Oct 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures