649 William St, Key West, FL 33040 Property Records

Monroe County property record for 649 William St, Key West, FL 33040

Property Summary

Property Type	Multi-Family Dwellings
Details	6 bd · 6 ba · 3,437 sqft · built 1933
Lot Size	0.113 acres (4,930 sqft)
Owner	Company Name on Record
Last Sale	$2,500,000 (Apr 2022)
Tax Bill	$21,298 (2025)
Deeds & Mortgages	May 2022 Line of Credit May 2022 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`00018530-000000`

Property Details

APN / Parcel Number

Primary APN	`00018530-000000`
Alternative APNs	`01010100018530000000` `1019089`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Units	6 Units
Stories	2 Stories
Building Area	3,437 sqft Living Area
1st Floor Area	2,475 sqft
Attic	Attic
Attic Area	1,924 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2014
Architectural Style	Multi-Family
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,930 sqft (0.113 acres)
Lot Dimensions	111 ft deep x 45 ft wide

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	819 sqft
Deck Area	297 sqft
Patio Area	577 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1019089
Street Address	649 WILLIAM ST
City	KEY WEST
State	FL
Zip	33040-6850
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	HHDR
Legal Description	KW PT OF TR 5 OR67-40/42 OR418-574/75 OR418-741 OR641-90/92 OR735-557/58 OR1319-1928/29 OR1319-1921/22 OR1417-696/97 OR1547-474/76 OR2284-1138/39 OR2934-0192 OR3047-1527 OR3168-1139
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	ISLAND OF KEY WEST
Legal Tract	5
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3011
Census Tract	972400

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 August 13, 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	600 6TH ST S, KIRKLAND, WA 98033-6716
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
May 4, 2022	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Apr 18, 2022	Warranty Deed, Transfer · Line of Credit FIRST HORIZON BANK
Oct 1, 2020	Warranty Deed, Transfer · Line of Credit FIRST STATE BANK OF THE FLORIDA KEY
Oct 31, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2022 · Amount on Record
Deed Sale	Apr 18, 2022 · Amount on Record
Prior Sale	Oct 1, 2020 · Amount on Record
Deed Document Number	20222371451
Deed Book / Page	3168 / 1139
Transfer Doc	1417000396
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	649 WILLIAM ST, KEY WEST, FL 33040-6850
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 6TH ST S, KIRKLAND, WA 98033-6716

Mortgage

Document Number	0031712047
Date	May 4, 2022
Book Page	3171/2047
Instrument	2374010

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	KEY WEST, FL 33041

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Apr 13, 2032

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	649 WILLIAM ST, KEY WEST, FL 33040-6850
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 6TH ST S, KIRKLAND, WA 98033-6716

Mortgage

Document Number	0031712047
Date	May 4, 2022
Book Page	3171/2047
Instrument	2374010

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	KEY WEST, FL 33041

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Apr 13, 2032

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 18, 2022
Property Address	649 WILLIAM ST, KEY WEST, FL 33040-6850
Document Number	0031681139
Book / Page	3168 / 1139
Instrument Date	Apr 13, 2022
Instrument	2371451
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 N PARK ST, TRAVERSE CITY, MI 49684-3511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 6TH ST S, KIRKLAND, WA 98033-6716

Mortgage

Document Number	0031681146
Date	Apr 18, 2022
Instrument	3168/1146

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 13, 2032

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 1, 2020
Property Address	649 WILLIAM ST, KEY WEST, FL 33040-6850
Document Number	0030471527
Book / Page	3047 / 1527
Instrument Date	Sep 28, 2020
Instrument	2284151
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	525 MARGARET ST, 525, KEY WEST, FL 33040-7133

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 PARK ST, TRAVERSE CITY, MI 49684-5700

Mortgage

Document Number	0030471530
Date	Oct 1, 2020
Instrument	3047/1530

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	83 Months
Due	Sep 28, 2027

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 31, 2018
Property Address	649 WILLIAM ST, KEY WEST, FL 33040-6850
Document Number	0029340192
Book / Page	002934 / 000192
Instrument Date	Oct 30, 2018
Instrument	2192704
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$5,950.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1317 WHITEHEAD ST KEY WEST FL 33040, KEY WEST, FL 33040

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	$21,298.00 (+3.11%)	$2,177,774 (+2.16%) Land $1,190,225 Building $987,549	$2,177,774 (+2.16%) Land $1,190,225 Building $987,549
2024	$20,656.00 (+0.15%)
2023	$20,625.00 (+28.98%)	$2,131,829 (+21.57%) Land $1,165,600 Building $966,229	$2,131,829 (+21.57%) Land $1,165,600 Building $966,229
2022	$15,991.00	$1,753,649 Land $777,067 Building $976,582	$1,753,649 Land $777,067 Building $976,582

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 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	Hurricane Irma, Sep 2017 · 23 claims Hurricane Wilma, Oct 2005 · 8 claims Hurricane Georges, Sep 1998 · 25 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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