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725 Frances St, Key West, FL 33040 Property Records

Monroe County property record for 725 Frances St, Key West, FL 33040 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,312 sqft · built 1938
Lot Size0.067 acres (2,930 sqft)
Owner2 Individual Names on File
Last Sale$374,667 (Dec 2021)
Tax Bill$10,537 (2024)
Deeds & MortgagesDec 2025 Transfer
Apr 2017 Mortgage
+ 2 more
Flood ZoneZone X (moderate risk)
APN00021830-000000

Property Details

APN / Parcel Number

Primary APN00021830-000000
Alternative APN
  • 1022594

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area1,312 sqft Living Area
1st Floor Area768 sqft 1st Floor
Stories2 Stories
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1938
Effective Year BuiltEffective 2013
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area2,930 sqft (0.067 acres)
Lot Dimensions93 ft deep x 32 ft wide
Garage TypeCovered
Garage Area253 sqft Garage

Exterior Amenities

Pool Area168 sqft Pool
Patio Area654 sqft Patio
PorchOpen Porch
Porch Area96 sqft Porch
Water FeatureWater Feature

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1022594
Street Address725 FRANCES ST
CityKEY WEST
StateFL
Zip33040-7124
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKW PT LOT 23 SQR 2 TR 6 OR522-226 OR1668-766 OR1671-1389 OR1675-1028 OR1962-332 OR2044-101 OR3085-1277 OR3142-0798
Legal Range25E
Legal Township68S
Legal Section05
Legal SubdivisionISLAND OF KEY WEST
Legal Tract6
Legal Lot Number23
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group3
Census Block3012
Census Tract972800

Owner

Source: Monroe County records · APN 00021830-000000

Assessment roll updated December 8, 2025 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address725 FRANCES ST, KEY WEST, FL 33040-7124
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Dec 10, 2025Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Apr 10, 2017Deed of Trust, Mortgage · ARM
JPMORGAN CHASE BANK NA
Dec 09, 2021Quit Claim Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Mar 31, 2021Warranty Deed, Transfer · Conventional Mortgage
NEXERA HOLDING LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 09, 2021 · Amount on Record
Deed SaleDec 09, 2021 · Amount on Record
Prior SaleMar 31, 2021 · Amount on Record
Deed Document Number20212352137
Deed Book / Page3142 / 798
Last Transfer DateDec 09, 2025
Transfer Doc0033570624
Record UpdatedSep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateDec 10, 2025
Property Address725 FRANCES ST, KEY WEST, FL 33040-7124
Document Number0033570624
Book / Page3357 / 624
Map ReferenceMB N PG 49
Instrument DateDec 09, 2025
Instrument2524958
Transaction TypeTransfer
Record UpdatedJan 09, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address725 FRANCES ST, KEY WEST, FL 33040-7124

Transferred To (Grantee/Buyer)

NameVerified Name
Address725 FRANCES ST, KEY WEST, FL 33040-7124

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address725 FRANCES ST, KEY WEST, FL 33040-7124
Transaction TypeMortgage
Record UpdatedJul 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0028480694
DateApr 10, 2017
Book Page2848/0694
Instrument2118043
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressWESTMONT, IL 60559
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueMay 01, 2047
Interest
Rate TypeAdjustable Rate
Rate4.25%
Type Change DateMay 01, 2027
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change6.25%
Index1-Year LIBOR
Max Rate9.25%

December 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateDec 09, 2021
Property Address725 FRANCES ST, KEY WEST, FL 33040-7124
Document Number0031420798
Book / Page3142 / 798
Map ReferenceMB N PG 49
Instrument DateDec 01, 2021
Instrument2352137
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address469 AURORA ST, LANCASTER, NY 14086-2969

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMar 31, 2021
Property Address725 FRANCES ST, KEY WEST, FL 33040-7124
Document Number0030851277
Book / Page3085 / 1277
Map ReferenceMB N PG 49
Instrument DateMar 23, 2021
Instrument2311316
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$6,643.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1400 16TH ST # ST300, 1400, OAK BROOK, IL 60523-1306

Transferred To (Grantee/Buyer)

NameVerified Name
Address469 AURORA ST, LANCASTER, NY 14086-2969

Mortgage

Document Number0030851279
DateMar 31, 2021
Instrument3085/1279
Lender
NameNEXERA HOLDING LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,422,834 (+5.55%) Land $1,160,280 Building $262,554$1,422,834 (+5.55%) Land $1,160,280 Building $262,554
2024$10,537.00 (+5.8%)
2023$9,959.00 (+22.68%)$1,348,013 (+45.01%) Land $1,098,750 Building $249,263$1,348,013 (+45.01%) Land $1,098,750 Building $249,263
2022$8,118.00$929,581 Land $703,200 Building $226,381$929,581 Land $703,200 Building $226,381

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardModerate
500-Year FloodplainYes
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

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