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809 Frances St, Key West, FL 33040 Property Records

Monroe County property record for 809 Frances St, Key West, FL 33040

Property Summary

Property TypeMulti-Family Dwellings
Details2 bd · 3 ba · 1,273 sqft · built 1948
Lot Size0.142 acres (6,222 sqft)
OwnerIndividual Name on File
Last Sale$1,225,000 (May 2017)
Tax Bill$13,795 (2024)
Deeds & MortgagesMay 2017 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN00022510-000000

Property Details

APN / Parcel Number

Primary APN00022510-000000
Alternative APN
  • 1023302

Interior

Bedrooms2 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Units2 Units
Stories1 Story
Building Area1,273 sqft Total Area
1st Floor Area2,001 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 2015
Exterior MaterialWood
Foundation TypeConcrete
Roof TypeCathedral/Clerestory
Roof MaterialShingle
Lot Area6,222 sqft (0.142 acres)
Garage TypeCarport
CarportCarport
Carport Area247 sqft

Exterior Amenities

Pool Area200 sqft
PorchOpen Porch
Porch Area207 sqft
Deck Area250 sqft
Patio Area712 sqft
FenceFence
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1023302
Street Address809 FRANCES ST
CityKEY WEST
StateFL
Zip33040-7125
Property CategoryResidential
Property TypeResidential > Multi-Unit > Multi-Family Dwellings
Legal DescriptionKW PT LOTS 9 & 11 SQR 4 TR 6 E1-250 OR105-430/31 OR848-2175 OR949-445 OR1035-2369 OR1218-986/88 OR1642-97/99 OR2085-2177/78
Legal Range25E
Legal Township68S
Legal Section05
Legal SubdivisionKEY WEST SQUARE 04 TR 06
Legal Tract6
Legal Lot Number9,11 11
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group3
Census Block3014
Census Tract972800

Owner

Source: Monroe County records · APN 00022510-000000

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address6009 N CHARLES ST, BALTIMORE, MD 21212-2201
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 16, 2017 · Amount on Record
Deed SaleMay 16, 2017 · Amount on Record
Prior SaleJul 10, 2000 · Amount on Record
Deed Document Number2123368
Deed Book / Page2854 / 2022
Record UpdatedJun 08, 2026

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 16, 2017
Property Address809 FRANCES ST, KEY WEST, FL 33040-7125
Document Number0028542022
Book / Page2854 / 2022
Map ReferenceMB N PG49
Instrument DateMay 15, 2017
Instrument2123368
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$8,575.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 4100, KEY WEST, FL 33041-4100

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address6009 N CLARLES ST, BALTIMORE, MD 21212-2201

Mortgage

Document Number0002123369
DateMay 16, 2017
Instrument2123369
Lender
NamePNC MORTGAGE LLC
TypeLending Institution
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueJun 01, 2047
Interest
Rate TypeAdjustable Rate
Rate3%
Type Change DateJun 01, 2024
Change FrequencyAnnually
Min Rate At Change2.5%
Max Rate At Change8%
Index1-Year LIBOR
Max Rate8%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$1,848,246 (+3.86%) Land $1,339,967 Building $508,279$1,848,246 (+3.86%) Land $1,339,967 Building $508,279
2024$13,795.00 (+4.68%)
2023$13,178.00 (+18.43%)$1,779,585 (+32%) Land $1,312,244 Building $467,341$1,779,585 (+32%) Land $1,312,244 Building $467,341
2022$11,127.00$1,348,215 Land $874,829 Building $473,386$1,348,215 Land $874,829 Building $473,386

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
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

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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.

Based on FCC filings for 662 locations within half a mile of this property.

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