820 White St, Key West, FL 33040 Property Records

Monroe County property record for 820 White St, Key West, FL 33040 · Last verified December 2025

Property Highlights

Property Type	Commercial > Retail > Hotel/Motel
Bathrooms	23 Baths
Year Built	Built 1998
Square Footage	3,354 sqft Total Area
Lot Size	9,492 sqft (0.217 acres)
Pool	594 sqft
Occupancy	Owner Occupied
Last Sale	$1,325,000 (1995)
Tax Bill	$48,683.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`00022240-000000`
Alternative APNs	`01010100022240000000` `1023001`

Interior

Full Baths	23 Baths
Building Area	3,354 sqft Total Area
1st Floor	5,640 sqft 1st Floor
Attic Area	1,143 sqft Attic
Stories	2 Stories

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1998
Exterior Material	Other Exterior
Fire Resistance Class	Buildings having fireproofed reinforced concrete frames carrying all wall, floor and roof loads which are all non-combustible.
Lot Area	9,492 sqft (0.217 acres)
Depth X Width	186 ft x 43 ft Depth x Width

Exterior Amenities

Pool Area	594 sqft Pool
Fence	Fence
Total Buildings	2 Total Buildings
Patio Area	1,742 sqft Patio
Porch	Open Porch
Porch Area	2,501 sqft Porch

Utilities and HVAC

Cooling System	Wall Unit Cooling

Location & Zoning

Account Number	1023001
Old Parcel Number	01010100022240000000
Street Address	820 WHITE ST
City	KEY WEST
State	FL
Zip	33040-7157
Property Usage	Commercial Property Usage
Type	Commercial > Retail > Hotel/Motel
Legal Description	KW PT LOT 2-3-6 SQR 3 TR 6 G34-342/43 OR663-109/10 OR773-856/57 OR972-269/70 OR1031-323/24 OR1079-794/95 OR1080-1903/04
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KEY WEST SQUARE 03 TR 06
Legal Tract	6
Legal Lot Number	2-3 3
Jurisdiction	MONROE FL
Minor Civil Division	KEY WEST
Census Blockgroup	3
Census Block	3013
Census Tract	972800

Owner

Source: Monroe County records · APN 00022240-000000

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 Record	Company Name on File
Mailing Address	820 WHITE ST, KEY WEST, FL 33040-7157
Occupancy	Owner Occupied
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 16, 1995 · Amount on Record
Deed Sale	Mar 16, 1995 · Amount on Record
Deed Doc Number	0134501447
Record Refreshed	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	820 WHITE ST, KEY WEST, FL 33040-7157
Transaction Type	Mortgage
Record Updated	Jun 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 WHITE ST, KEY WEST, FL 33040-7157

Mortgage

Document Number	0031761758
Date	May 31, 2022
Book Page	3176/1758
Instrument	2377750

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	Small Business Association Mortgage
Amount	Amount Recorded
Term	336 Months
Due	May 20, 2050

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$9,185,844 (+66.28%) Land $5,052,214 Building $4,133,630	$9,185,844 (+66.28%) Land $5,052,214 Building $4,133,630
2024	$48,683.00 (+6.01%)
2023	$45,922.00 (+7.34%)	$5,524,235 (-) Land $3,314,541 Building $2,209,694	$5,524,235 (-) Land $3,314,541 Building $2,209,694
2022	$42,780.00	$5,524,235 Land $3,314,541 Building $2,209,694	$5,524,235 Land $3,314,541 Building $2,209,694

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.