820 4th St, Key West, FL 33040 Property Records

Monroe County property record for 820 4th St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1996
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$950,000 (Oct 2021)
Tax Bill	$7,545 (2024)
Deeds & Mortgages	Jan 2023 Line of Credit Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone VE (high risk)
APN	`00151330-000100`

Property Details

APN / Parcel Number

Primary APN	`00151330-000100`
Alternative APNs	`22672600151330000100` `1196843`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,000 sqft (0.23 acres)
View / Lot	Waterfront
Garage Type	Covered
Garage Area	624 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	1,214 sqft
Deck Area	Deck Area
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1196843
Street Address	820 4TH ST
City	KEY WEST
State	FL
Zip	33040-5535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 3 PT LT 8 AND W 1/4 LT 9 AND PT ADJ BAY BTM JOHNSONVILLE PB1-53 BIG COPPITT G59-308(II DEED 19965) COUNTY JUDGES DOCKET 2-74-34 OR66-279(II DEED 21214) OR614-483/84 OR665-487 OR825-981/82 OR1065-1713/15 OR1072-912 OR1087-796 OR1090-327 OR1107-1553
Legal Range	26E
Legal Township	67S
Legal Section	22
Legal Subdivision	JOHNSONVILLE SUBD
Legal Block	3
Legal Lot Number	8,9
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3011
Census Tract	971700

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	820 4TH ST, KEY WEST, FL 33040-5535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 15, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Jan 23, 2018	Trustee's Deed, Foreclosure · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Prior Sale	Jan 23, 2018
Deed Document Number	20212344404
Deed Book / Page	3132 / 299
Prior Transfer Date	Nov 6, 2013
Prior Transfer Doc	0026572405
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	820 4TH ST, KEY WEST, FL 33040-5535
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 4TH ST, KEY WEST, FL 33040-5535

Mortgage

Document Number	0032090988
Date	Jan 25, 2023
Book Page	3209/988
Instrument	2404448

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 13, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 15, 2021
Property Address	820 4TH ST, KEY WEST, FL 33040-5535
Document Number	0031320299
Book / Page	3132 / 299
Map Reference	MB 1 PG 53
Instrument Date	Oct 15, 2021
Instrument	2344404
Transaction Type	Transfer
Record Updated	Nov 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	267 FARLEY RD, 267, HOLLIS, NH 03049-5920

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 4TH ST, KEY WEST, FL 33040-5535

Mortgage

Document Number	3132303
Date	Oct 15, 2021
Instrument	3132/303

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Mortgage

Document Number	0031320314
Date	Oct 15, 2021
Book Page	3132/314
Instrument	2344406

Lender

Name	GEORGIAS OWN CU
Type	Credit Union
Address	ATLANTA, GA 30348

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONROE FL
Recording Date	Jan 23, 2018
Property Address	820 4TH ST, KEY WEST, FL 33040-5535
Document Number	0028881003
Book / Page	2888 / 1003
Map Reference	MB1 PG53
Instrument Date	Jan 17, 2018
Instrument	2152172
Transaction Type	Foreclosure
Record Updated	Nov 16, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3762 BENEVA OAKS BLVD, 3762, SARASOTA, FL 34238-2519

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	308 AVENUE A, KEY WEST, FL 33040-5514

Mortgage

Document Number	2152173
Date	Jan 23, 2018
Instrument	2152173

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$863,891 (+2.03%)	$866,475 (+0.32%) Land $517,711 Building $348,764
2024	$7,545.00 (+0.04%)
2023	$7,542.00 (+2.71%) Homeowner's exemption	$846,702 (+3%)	$863,685 (+5.07%) Land $542,836 Building $320,849
2022	$7,343.00 Homeowner's exemption	$822,041 Land $497,611 Building $324,430	$822,041 Land $497,611 Building $324,430

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 233 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	272 units insured incl. 39 condo units
Nearby Flood Claims	287 (1980–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 49 claims Hurricane Wilma, Oct 2005 · 166 claims Hurricane Georges, Oct 1998 · 50 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 168 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	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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