815 Whitehead St, Key West, FL 33040 Property Records

Monroe County property record for 815 Whitehead St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,054 sqft · built 1938
Lot Size	0.061 acres (2,670 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Mar 2016)
Tax Bill	$4,973 (2024)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00017080-000100`

Property Details

APN / Parcel Number

Primary APN	`00017080-000100`
Alternative APNs	`01010100017080000100` `1017515`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,054 sqft Living Area
1st Floor Area	1,054 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,670 sqft (0.061 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	176 sqft
Deck Area	Deck Area
Patio Area	286 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1017515
Street Address	815 WHITEHEAD ST
City	KEY WEST
State	FL
Zip	33040-7421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW PT LOTS 2 AND 4 SQR 6 TR 4 OR475-39 OR2273-1710 OR2273-1717 OR2306-1658/59 OR2369-246/48 OR2774-1311/12 OR2788-1238/39 OR3119-0675
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 06 TR 04
Legal Tract	4
Legal Lot Number	2,4
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1012
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

815 Whitehead St is owned and occupied by two individuals who bought it in March 2016.

Source: Monroe County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	815 WHITEHEAD ST, KEY WEST, FL 33040-7421
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Aug 13, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 22, 2017	Deed of Trust, Mortgage · Line of Credit IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2016 · Amount on File
Deed Sale	Mar 28, 2016 · Amount on File
Prior Sale	Dec 18, 2015 · Amount on File
Deed Document Number	20162069075
Deed Book / Page	2788 / 1238
Prior Transfer Date	Jul 2, 2007
Prior Transfer Doc	0023061658
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	815 WHITEHEAD ST, KEY WEST, FL 33040-7421
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 WHITEHEAD ST, KEY WEST, FL 33040-7421

Mortgage

Document Number	0031640416
Date	Mar 29, 2022
Book Page	3164/416
Instrument	2368052

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Aug 13, 2021
Property Address	815 WHITEHEAD ST, KEY WEST, FL 33040-7421
Document Number	0031190675
Book / Page	3119 / 675
Map Reference	MB H PG 669
Instrument Date	Aug 5, 2021
Instrument	2334986
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 WHITEHEAD ST, KEY WEST, FL 33040-7421

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	815 WHITEHEAD ST, KEY WEST, FL 33040-7421
Document Number	0028632428
Book / Page	002863 / 002428
Instrument Date	Jun 22, 2017
Transaction Type	Mortgage
Record Updated	Jul 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	815 WHITEHEAD ST KEY WEST FL 330407421, KEY WEST, FL 33040-7421

Mortgage

Document Number	0028632428
Date	Jul 11, 2017
Book Page	002863/002428
Instrument	2130767

Lender

Name	IBERIABANK
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 10, 2047

Interest

Rate Type	Adjustable Rate

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		$604,141	$974,622 Land $670,437 Building $304,185
2024	$4,973.00 (+1.76%)
2023	$4,887.00 (+4.53%) Homeowner's exemption	$570,015 (+3%)	$1,014,261 (+47.95%) Land $732,915 Building $281,346
2022	$4,675.00 Homeowner's exemption	$553,413	$685,524 Land $444,555 Building $240,969

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

Flood

FEMA maps place 815 Whitehead St in Zone X, an area of minimal flood risk, though there have been 84 flood claims nearby since 1980.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 148 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	180 units insured incl. 32 condo units
Nearby Flood Claims	84 (1980–2022)
Claims Outside the SFHA	41 of 84
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 23 claims Hurricane Wilma, Oct 2005 · 30 claims Hurricane Georges, Sep 1998 · 18 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 815 Whitehead St 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 993 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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