Monroe County property record for 822 White St, Key West, FL 33040
| Property Type | Hotel/Motel |
|---|---|
| Details | 3 ba · 1,856 sqft · built 1933 |
| Lot Size | 0.155 acres (6,789 sqft) |
| Owner | Owner Name on File |
| Last Sale | $450,000 (Apr 1997) |
| Tax Bill | $29,278 (2024) |
| Deeds & Mortgages | Apr 2020 Loan Modification |
| Flood Zone | Zone X (moderate risk) |
| APN | 00022230-000000 |
| Primary APN | 00022230-000000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,856 sqft Total Area |
| 1st Floor Area | 2,776 sqft |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Wood Siding |
| Fire Resistance | Fireproof Reinforced Concrete |
| Lot Area | 6,789 sqft (0.155 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,234 sqft |
| Patio Area | 338 sqft |
| Fence | Fence |
| Total Buildings | 3 Buildings |
| Cooling System | Wall Unit |
|---|
| Account Number | 1022993 |
|---|---|
| Old Parcel Number | 01010100022230000000 |
| Street Address | 822 WHITE ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Hotel/Motel |
| Legal Description | KW PT LOTS 3-6 SQR 3 TR 6 G4-449 OR542-672 OR1452-2231 OR568-626/27 OR1452-2232 OR1117-1823/30 OR1452-2233 OR1452-2234/35 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 05 |
| Legal Subdivision | KEY WEST SQUARE 03 TR 06 |
| Legal Tract | 6 |
| Legal Lot Number | 3-6 4 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 972800 |
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.
The current owner of 822 White St bought it in April 1997.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 820 WHITE ST, KEY WEST, FL 33040-7157 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Last Sale | Apr 21, 1997 · Amount on File |
|---|---|
| Deed Sale | Apr 21, 1997 · Amount on File |
| Deed Document Number | 0145202234 |
| Deed Book / Page | 01452 / 02234 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 822 WHITE ST, KEY WEST, FL 33040 |
| Document Number | 0030190930 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 820 WHITE ST KEY WEST FL 330407157, KEY WEST, FL 33040-7157 |
| Document Number | 0030190930 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 003019/000930 |
| Instrument | 2264015 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Address | 1229 SIMONTON ST, KEY WEST, FL 33040-3158 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,620,055 Land $2,541,030 Building $2,079,025 | $4,620,055 Land $2,541,030 Building $2,079,025 | |
| 2024 | $29,278.00 (+5.86%) | ||
| 2023 | $27,656.00 (+5.26%) | $4,519,829 (-) Land $2,711,898 Building $1,807,931 | $4,519,829 (-) Land $2,711,898 Building $1,807,931 |
| 2022 | $26,274.00 | $4,519,829 Land $2,711,898 Building $1,807,931 | $4,519,829 Land $2,711,898 Building $1,807,931 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 822 White St in Zone X, an area of moderate flood risk, though there have been 11 flood claims nearby since 2005.
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 |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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.
The area around 822 White 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.
Source: FCC Broadband Data Collection, based on 662 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 | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Hotwire Communications.
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