Monroe County property record for 647 William St, Key West, FL 33040
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 8 bd · 9 ba · 3,916 sqft · built 1928 |
| Lot Size | 0.171 acres (7,467 sqft) |
| Owner | Individual Name on File |
| Last Sale | $750,000 (Feb 2001) |
| Tax Bill | $18,692 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 00018540-000000 |
| Primary APN | 00018540-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 9 Baths |
| Units | 9 Units |
| Stories | 2 Stories |
| Building Area | 3,916 sqft Living Area |
| 1st Floor Area | 2,436 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Multi-Family |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,467 sqft (0.171 acres) |
| Lot Dimensions | 151 ft deep x 50 ft wide |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 744 sqft |
| Patio Area | 1,649 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|
| Account Number | 1019097 |
|---|---|
| Street Address | 647 WILLIAM ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6851 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | HHDR |
| Legal Description | KW PT OF TR 5 OR252-354/56 OR755-1643/46 OR755-1650 OR847-108 OR1005-2123/24 OR1167-1491/92 OR1661-1268 OR1662-89/92 OR1678-1563 |
| 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: 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.
647 William St, a residential property, is owned and occupied by an individual who acquired it in October 2007.
Source: Monroe County records, as of August 31, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 4045, KEY WEST, FL 33041-4045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 23, 2001 · Amount on File |
| Deed Sale | Feb 23, 2001 · Amount on File |
| Prior Sale | Jan 1, 1982 · Amount on File |
| Deed Book / Page | 1678 / 1563 |
| Last Transfer Date | Oct 2, 2007 |
| Transfer Doc | 0001666307 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 647 William St was $18,692 with exemptions applied, up 9.1% from the year before.
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 | $18,692.00 (+9.09%) Homeowner's exemption Widower's exemption | $1,940,371 | $2,161,488 Land $1,486,026 Building $675,462 |
| 2024 | $17,135.00 (+3.9%) | ||
| 2023 | $16,492.00 (+13.29%) Senior Citizen's exemption | $1,894,549 (+23.63%) | $2,116,240 (+25.6%) Land $1,455,281 Building $660,959 |
| 2022 | $14,557.00 Senior Citizen's exemption | $1,532,484 | $1,684,861 Land $970,187 Building $714,674 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 647 William St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
The area around 647 William St has no burnable land within ember reach, so its wildfire risk is not rated.
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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