812 Olivia St, Key West, FL 33040 Property Records

Monroe County property record for 812 Olivia St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 910 sqft · built 1928
Lot Size	0.036 acres (1,560 sqft)
Owner	Company Name on Record
Last Sale	$1,100,000 (May 2022)
Tax Bill	$9,730 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2022 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00019970-000000`

Property Details

APN / Parcel Number

Primary APN	`00019970-000000`
Alternative APNs	`01010100019970000000` `1020664`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	910 sqft Living Area
1st Floor Area	910 sqft
Attic	Attic
Attic Area	1,351 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2017
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,560 sqft (0.036 acres)
Lot Dimensions	60 ft deep x 26 ft wide
Porch	Slab
Porch Area	452 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1020664
Street Address	812 OLIVIA ST
City	KEY WEST
State	FL
Zip	33040-6419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HHDR
Legal Description	KW PT OF TR 5 OR57-181/82 OR1003-1669/77 OR1051-1294 OR1063-365/66 OR1155-207/08 OR1178-2202 OR1238-610/11 OR1379-1206/07 OR1389-1552/58 OR1467-587/88 OR2995-1949 OR3172-1025 OR3176-1464
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	WILLIAM A WHITEHEAD
Legal Tract	5
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3023
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 May 4, 2026

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

Owner of Record	Company Name on Record
Mailing Address	500 W 500 S, SHELBYVILLE, IN 46176-9343
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 31, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 22, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Prior Sale	Nov 22, 2019 · Amount on Record
Deed Document Number	20222374503
Deed Book / Page	3172 / 1025
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	812 OLIVIA ST, KEY WEST, FL 33040-6419
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 W 50 S, SHELBYVILLE, IN 46176

Mortgage

Document Number	0031721027
Date	May 6, 2022
Book Page	3172/1027
Instrument	2374504

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.87%
Index	Other
Max Rate	9.87%

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	May 31, 2022
Property Address	812 OLIVIA ST, KEY WEST, FL 33040-6419
Document Number	0031761464
Book / Page	3176 / 1464
Instrument Date	May 27, 2022
Instrument	2377647
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	500 W 500 S, SHELBYVILLE, IN 46176-9343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 W 500 S, SHELBYVILLE, IN 46176-9343

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 22, 2019
Property Address	812 OLIVIA ST, KEY WEST, FL 33040-6419
Document Number	0029951949
Book / Page	002995 / 001949
Instrument Date	Nov 21, 2019
Instrument	2245740
Transaction Type	Transfer
Record Updated	Dec 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4,760.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11600 FM 32 FISCHER TX 786231914, FISCHER, TX 78623-1914

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	$9,730.00 (+2.52%)	$1,114,367 (+6.1%) Land $698,069 Building $416,298	$1,114,367 (+6.1%) Land $698,069 Building $416,298
2024	$9,491.00 (+2.63%)
2023	$9,248.00 (+46.35%)	$1,050,270 (+25.76%) Land $661,050 Building $389,220	$1,050,270 (+25.76%) Land $661,050 Building $389,220
2022	$6,319.00	$835,144 Land $423,072 Building $412,072	$835,144 Land $423,072 Building $412,072

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 500 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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