727 Windsor Ln, Key West, FL 33040 Property Records

Monroe County property record for 727 Windsor Ln, Key West, FL 33040

Property Summary

Property Type	Residential
Details	2 bd · 1 ba · 1,032 sqft · built 1953
Lot Size	0.047 acres (2,035 sqft)
Owner	2 Individual Names on File
Last Sale	$860,000 (Jun 2023)
Tax Bill	$8,829 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00018730-000500`

Property Details

APN / Parcel Number

Primary APN	`00018730-000500`
Alternative APNs	`01010100018730000500` `1019356`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	2 Units
Stories	1 Story
Building Area	1,032 sqft Gross Area
1st Floor Area	1,032 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2003
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,035 sqft (0.047 acres)

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	140 sqft
Deck Area	Deck Area
Patio Area	299 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1019356
Street Address	727 WINDSOR LN
City	KEY WEST
State	FL
Zip	33040-6430
Property Category	Residential
Property Type	Residential > Specialized > Other
Local Zoning Code	HHDR
Legal Description	KW PT TR 5 (A/K/A LOT 5 WINDSOR VILLAGE AND 1/11 INT IN COMMON AREAS A AND B) OR644-335 OR644-339 OR644-344 OR644-490 OR644-494 OR647-416 OR647-418 OR650-762 OR650-761 OR651-588 OR1260-33 OR1516-945 OR1711-2357 OR1749-543 OR1827-436 OR1827-481 OR1827
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	WINDSOR VILLAGE CONDO
Legal Tract	5
Legal Lot Number	5
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3008
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

727 Windsor Ln, a residential property, is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	727 WINDSOR LN, KEY WEST, FL 33040-6430
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2023	Warranty Deed, Transfer · Balloon Mortgage CHARLES LEE
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEYS
Jul 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2023 · Amount on File
Deed Sale	Jun 19, 2023 · Amount on File
Prior Sale	Oct 29, 2002
Deed Document Number	20232422137
Deed Book / Page	3230 / 1496
Prior Transfer Date	Mar 26, 2007
Prior Transfer Doc	0022820683
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 19, 2023
Property Address	727 WINDSOR LN, KEY WEST, FL 33040-6430
Document Number	0032301496
Book / Page	3230 / 1496
Map Reference	MB 1749 PG 543
Instrument Date	Jun 13, 2023
Instrument	2422137
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,020.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	727 WINDSOR LN, KEY WEST, FL 33040-6430

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1711 VON PHISTER ST, KEY WEST, FL 33040-4942
Investor	Possibly a Property Investor

Mortgage

Document Number	0032301498
Date	Jun 19, 2023
Instrument	3230/1498

Lender

Name	CHARLES LEE
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	24 Months
Due	Jun 13, 2025

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	727 WINDSOR LN, KEY WEST, FL 33040-6430
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	LANDMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	727 WINDSOR LN, KEY WEST, FL 33040-6430

Mortgage

Document Number	0030421003
Date	Sep 8, 2020
Book Page	3042/1003
Instrument	2280472

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	727 WINDSOR LN, KEY WEST, FL 33040-6430
Document Number	0030310225
Instrument Date	Jul 3, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	727 WINDSOR LN KEY WEST FL 330406430, KEY WEST, FL 33040-6430

Mortgage

Document Number	0030310225
Date	Jul 9, 2020
Book Page	003031/000225
Instrument	2272591

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	1201 SIMONTON ST, KEY WEST, FL 33040-3111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2050

Interest

Rate Type	Adjustable Rate
Rate	4%

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		$902,544 Land $765,160 Building $137,384	$902,544 Land $765,160 Building $137,384
2024	$8,829.00 (+324.88%)
2023	$2,078.00 (+4.74%) Homeowner's exemption	$234,113 (+3%)	$899,553 (+28.43%) Land $765,160 Building $134,393
2022	$1,984.00 Homeowner's exemption	$227,295	$700,399 Land $564,102 Building $136,297

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 727 Windsor Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

The area around 727 Windsor Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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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