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704 White St, Key West, FL 33040 Property Records

Monroe County property record for 704 White St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 972 sqft · built 1938
Lot Size0.083 acres (3,608 sqft)
Owner2 Individual Names on Record
Last Sale$550,000 (Dec 2012)
Tax Bill$4,586 (2024)
Deeds & MortgagesSep 2022 Sale
Flood ZoneZone X (moderate risk)
APN00022020-000000

Property Details

APN / Parcel Number

Primary APN00022020-000000
Alternative APNs
  • 01010100022020000000
  • 1022799

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area972 sqft Living Area
1st Floor Area972 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1938
Effective Year BuiltEffective 2012
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area3,608 sqft (0.083 acres)
Lot Dimensions88 ft deep x 41 ft wide
PorchOpen Porch
Porch Area192 sqft
Patio Area117 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1022799
Street Address704 WHITE ST
CityKEY WEST
StateFL
Zip33040-7155
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeHMDR
Legal DescriptionKW PT LOT 2 SQR 1 TR 6 G25-324 OR826-1082 OR894-1 OR907-1566 OR1269-926/27 OR1446-1887/89 OR2360-2329/30 OR2605-763/64
Legal Range25E
Legal Township68S
Legal Section05
Legal SubdivisionISLAND OF KEY WEST
Legal Tract6
Legal Lot Number2
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group3
Census Block3011
Census Tract972800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

Source: Monroe County records, as of December 8, 2025

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

Owner of Record2 Individual Names on Record
Mailing Address704 WHITE ST, KEY WEST, FL 33040-7155
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 21, 2012 · Amount on Record
Deed SaleDec 21, 2012 · Amount on Record
Prior SaleMar 11, 1997 · Amount on Record
Deed Document Number20121913234
Deed Book / Page2605 / 763
Prior Transfer DateApr 23, 2008
Prior Transfer Doc0023602329
Record UpdatedJun 8, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 16, 2022
Property Address704 WHITE ST, KEY WEST, FL 33040-7155
Document Number0031941427
Book / Page3194 / 1427
Instrument DateSep 15, 2022
Instrument2391771
Transaction TypeTransfer
Record UpdatedOct 14, 2022
Title CompanyESQUIRE TITLE, ESQUIRE TITLE SERVICES INC

Transaction

AmountAmount Recorded
Tax$45.50
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address3685 POINTE DR, 3685, CARP LAKE, MI 49718-9790

Transferred To (Grantee/Buyer)

NameVerified Name
Address2206 N MAIN ST # 238, 238, WHEATON, IL 60187-9140
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$555,775 (+5.99%)$1,240,067 (+5.85%) Land $1,005,853 Building $234,214
2024$4,586.00 (+1.8%)
2023$4,505.00 (+8.22%) Homeowner's exemption$524,381 (+6.72%)$1,171,508 (+43.77%) Land $952,512 Building $218,996
2022$4,163.00 Homeowner's exemption$491,356$814,855 Land $609,608 Building $205,247

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 248 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies259 units insured
incl. 11 condo units
Nearby Flood Claims11 (2005–2025)
Claims Outside the SFHA2 of 11
Most Recent ClaimFeb 2025 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 6 claims
  • Hurricane Wilma, Oct 2005 · 3 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 RiskNot 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 662 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

May also be available: Hotwire Communications.

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