717 White St, Key West, FL 33040 Property Records

Monroe County property record for 717 White St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,535 sqft · built 1948
Lot Size	0.073 acres (3,168 sqft)
Owner	Individual Name on Record
Last Sale	$843,500 (Mar 2021)
Tax Bill	$7,162 (2024)
Deeds & Mortgages	Jan 2026 Transfer Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00022780-000000`

Property Details

APN / Parcel Number

Primary APN	`00022780-000000`
Alternative APNs	`01010100022780000000` `1023574`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,535 sqft Living Area
1st Floor Area	1,535 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,168 sqft (0.073 acres)
Lot Dimensions	88 ft deep x 36 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	172 sqft
Deck Area	189 sqft
Patio Area	378 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1023574
Street Address	717 WHITE ST
City	KEY WEST
State	FL
Zip	33040-7166
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW WADDELLS SUBDIVISION PB1-28 LOT 1 SQR 3 TR 7 G23-408 G65-80 OR645-385 OR1180-474 OR1607-1185 OR1607-1166 OR1607-1171 OR1618-2012 OR2024-1856 OR2579-1777 OR2777-1964 OR2875-2074 OR3083-890 OR3257-1154
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	JAMES A WADDELLS SUBDIVISION
Legal Tract	7
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1005
Census Tract	972800

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 February 2, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	717 WHITE ST, KEY WEST, FL 33040-7166
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Divorce Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 22, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Oct 20, 2017	Warranty Deed, Transfer · ARM CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2021 · Amount on Record
Deed Sale	Mar 22, 2021 · Amount on Record
Prior Sale	Oct 20, 2017 · Amount on Record
Deed Document Number	20212309699
Deed Book / Page	3083 / 890
Last Transfer Date	Jan 14, 2026
Transfer Doc	0033621727
Record Updated	Jun 8, 2026

January 2026: Divorce Transfer, Transfer

Document Type	Divorce Transfer
Jurisdiction	MONROE FL
Recording Date	Jan 20, 2026
Property Address	717 WHITE ST, KEY WEST, FL 33040-7166
Document Number	0033621727
Book / Page	3362 / 1727
Instrument Date	Jan 14, 2026
Instrument	2529032
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	717 WHITE ST, KEY WEST, FL 33040-7166

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 22, 2021
Property Address	717 WHITE ST, KEY WEST, FL 33040-7166
Document Number	0030830890
Book / Page	3083 / 890
Instrument Date	Mar 22, 2021
Instrument	2309699
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	$5,904.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36 RIDGE RUN RD, 36, NORTH EAST, MD 21901-4716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	717 WHITE ST, KEY WEST, FL 33040-7166

Mortgage

Document Number	0003083892
Date	Mar 22, 2021
Instrument	3083/892

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 20, 2017
Property Address	717 WHITE ST, KEY WEST, FL 33040-7166
Document Number	0028752074
Book / Page	2875 / 2074
Instrument Date	Oct 20, 2017
Instrument	2140572
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,443.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2905 PENNSYLVANIA DR, 2905, DENTON, TX 76205-8309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	717 WHITE ST, KEY WEST, FL 33040-7166

Mortgage

Document Number	0002140573
Date	Oct 20, 2017
Instrument	2140573

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Nov 1, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

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		$1,000,033 (+20.77%)	$1,122,459 (+10.32%) Land $822,058 Building $300,401
2024	$7,162.00 (+1.68%)
2023	$7,044.00 (+4.48%) Homeowner's exemption	$828,035 (+3%)	$1,017,450 (+23.88%) Land $739,335 Building $278,115
2022	$6,742.00 Homeowner's exemption	$803,918	$821,351 Land $540,283 Building $281,068

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 156 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	167 units insured incl. 11 condo units
Nearby Flood Claims	5 (1998–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 4 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 662 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

May also be available: Hotwire Communications.

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