723 Catherine St, Key West, FL 33040 Property Records

Monroe County property record for 723 Catherine St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,356 sqft · built 1948
Lot Size	0.09 acres (3,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,760,000 (Jan 2024)
Tax Bill	$24,047 (2024)
Deeds & Mortgages	Jan 2024 Sale Apr 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00030810-000000`

Property Details

APN / Parcel Number

Primary APN	`00030810-000000`
Alternative APNs	`01010100030810000000` `1031593`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,356 sqft Living Area
1st Floor Area	2,356 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2024
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,939 sqft (0.09 acres)

Exterior Amenities

Pool Area	154 sqft
Porch	Open Porch
Porch Area	336 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1031593
Street Address	723 CATHERINE ST
City	KEY WEST
State	FL
Zip	33040-3225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW JERGUSONS SUB PB1-78 LOT 8 OF TR 12 G45-122 OR574-890 OR686-301 OR1332-929 OR1500-2044 OR1862-1910 OR2976-0014 OR2976-0016 OR3166-0249 OR3258-1713
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	JERGUSON SUB
Legal Tract	12
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	4
Census Block	4019
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 December 29, 2025

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	1717 SOUTH ST, KEY WEST, FL 33040-3516
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2024	Warranty Deed, Transfer
Apr 7, 2022	Warranty Deed, Transfer · Commercial Mortgage ENCORE BANK NA
Jul 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOLDMAN SACHS BANK USA
Jul 22, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2024 · Amount on Record
Deed Sale	Jan 16, 2024 · Amount on Record
Prior Sale	Apr 7, 2022 · Amount on Record
Deed Document Number	20242447872
Deed Book / Page	3258 / 1713
Prior Transfer Date	Nov 6, 2023
Prior Transfer Doc	0002439334
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 16, 2024
Property Address	723 CATHERINE ST, KEY WEST, FL 33040-3225
Document Number	0032581713
Book / Page	3258 / 1713
Map Reference	MB 1 PG 78
Instrument Date	Jan 11, 2024
Instrument	2447872
Transaction Type	Transfer
Record Updated	Feb 6, 2024

Transaction

Amount	Amount Recorded
Tax	$26,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3624 LONG PRAIRIE RD STE 101, 101, FLOWER MOUND, TX 75022-2781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1717 SOUTH ST, KEY WEST, FL 33040-3516

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 7, 2022
Property Address	723 CATHERINE ST, KEY WEST, FL 33040-3225
Document Number	0031660249
Book / Page	3166 / 249
Map Reference	MB 1 PG 78
Instrument Date	Mar 31, 2022
Instrument	2369663
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 NELSON AVE, 322, SARATOGA SPRINGS, NY 12866-2422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3624 LONG PRAIRIE RD STE 101, 101, FLOWER MOUND, TX 75022-2781

Mortgage

Document Number	0003166255
Date	Apr 7, 2022
Instrument	3166/255

Lender

Name	ENCORE BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	723 CATHERINE ST, KEY WEST, FL 33040-3225
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029760021
Date	Jul 22, 2019
Book Page	2976/0021
Instrument	2229455

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank
Address	NEW YORK, NY 10282

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jul 22, 2019
Property Address	723 CATHERINE ST, KEY WEST, FL 33040-3225
Document Number	0029760014
Book / Page	002976 / 000014
Instrument Date	Jul 16, 2019
Instrument	2229452
Transaction Type	Transfer
Record Updated	Aug 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1414 NEWTON ST KEY WEST FL 330407028, KEY WEST, FL 33040-7028

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		$2,963,366 (+11.34%) Land $829,317 Building $2,134,049	$2,963,366 (+11.34%) Land $829,317 Building $2,134,049
2024	$24,047.00 (+5.83%)
2023	$22,722.00 (+46.03%)	$2,661,576 (+18.26%) Land $713,077 Building $1,948,499	$2,661,576 (+18.26%) Land $713,077 Building $1,948,499
2022	$15,560.00	$2,250,683 Land $613,145 Building $1,637,538	$2,250,683 Land $613,145 Building $1,637,538

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 349 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	405 units insured incl. 56 condo units
Nearby Flood Claims	45 (1994–2025)
Claims Outside the SFHA	2 of 45
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 14 claims 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 917 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, T-Mobile.

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