811 Olivia St, Key West, FL 33040 Property Records

Monroe County property record for 811 Olivia St, Key West, FL 33040

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,174 sqft · built 1923
Lot Size	0.071 acres (3,084 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,599,000 (Apr 2022)
Tax Bill	$12,427 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00019920-000000`

Property Details

APN / Parcel Number

Primary APN	`00019920-000000`
Alternative APNs	`01010100019920000000` `1020613`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Units	2 Units
Stories	2 Stories
Building Area	2,174 sqft Living Area
1st Floor Area	1,982 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1923
Effective Year Built	Effective 2013
Architectural Style	Duplex Single
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,084 sqft (0.071 acres)
Lot Dimensions	69 ft deep x 45 ft wide
Porch	Open Porch
Porch Area	378 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1020613
Street Address	811 OLIVIA ST
City	KEY WEST
State	FL
Zip	33040-6418
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	HHDR
Legal Description	KW PT OF TR 5 D1-246 D3-339 OR565-376 OR614-29 OR1125-1789 OR1125-1791 OR1125-1792 OR1128-820 OR1128-822 OR1128-833 OR1411-2330 OR3168-2480
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	WHITEHEADS MAP
Legal Tract	5
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3015
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 October 19, 2026

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	811 OLIVIA ST, KEY WEST, FL 33040-6418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Deed of Trust, Mortgage · Line of Credit KEYS FCU
Apr 21, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2022 · Amount on Record
Deed Sale	Apr 21, 2022 · Amount on Record
Prior Sale	Jul 5, 1996 · Amount on Record
Deed Document Number	20222371895
Deed Book / Page	3168 / 2480
Prior Transfer Date	Jul 18, 2008
Prior Transfer Doc	0023730549
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	811 OLIVIA ST, KEY WEST, FL 33040-6418
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032460713
Date	Oct 10, 2023
Book Page	3246/713
Instrument	2435431

Lender

Name	KEYS FCU
Type	Credit Union
Address	KEY WEST, FL 33040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	216 Months
Due	Oct 9, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 21, 2022
Property Address	811 OLIVIA ST, KEY WEST, FL 33040-6418
Document Number	0031682480
Book / Page	3168 / 2480
Instrument Date	Apr 14, 2022
Instrument	2371895
Transaction Type	Transfer
Record Updated	May 11, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,193.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5654 MT PHILO RD, 5654, CHARLOTTE, VT 05445-8211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 OLIVIA ST, KEY WEST, FL 33040-6418

Mortgage

Document Number	0031682482
Date	Apr 21, 2022
Instrument	3168/2482

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

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	$12,427.00 (+2.49%) Homeowner's exemption	$1,415,161 (+1.77%) Land $975,970 Building $439,191	$1,415,161 (+1.77%) Land $975,970 Building $439,191
2024	$12,125.00 (-0.74%)
2023	$12,215.00 (+50.41%) Homeowner's exemption	$1,390,596 (+29.15%) Land $955,778 Building $434,818	$1,390,596 (+29.15%) Land $955,778 Building $434,818
2022	$8,121.00	$1,076,721 Land $637,185 Building $439,536	$1,076,721 Land $637,185 Building $439,536

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 248 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	259 units insured incl. 11 condo units
Nearby Flood Claims	11 (2005–2025)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Wilma, Oct 2005 · 3 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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