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823 Whitehead St, Key West, FL 33040 Property Records

Monroe County property record for 823 Whitehead St, Key West, FL 33040

Property Summary

Property TypeRestaurant
Details668 sqft · built 1928
Lot Size0.051 acres (2,259 sqft)
OwnerCompany Name on File
Last Sale$1,150,000 (Feb 2017)
Tax Bill$6,782 (2024)
Deeds & MortgagesOct 2025 Line of Credit
Feb 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN00017250-000000

Property Details

APN / Parcel Number

Primary APN00017250-000000
Alternative APNs
  • 01010100017250000000
  • 1017701

Interior

Stories1 Story
Building Area668 sqft Total Area
1st Floor Area668 sqft

Exterior

Year BuiltBuilt 1928
Effective Year BuiltEffective 2010
Exterior MaterialWood Siding
Fire ResistanceFireproof Reinforced Concrete
Lot Area2,259 sqft (0.051 acres)

Exterior Amenities

PorchOpen Porch
Porch Area30 sqft
Patio Area408 sqft
FenceFence

Location & Zoning

Account Number1017701
Old Parcel Number01010100017250000000
Street Address823 WHITEHEAD ST
CityKEY WEST
StateFL
Zip33040-7421
Property CategoryCommercial
Property TypeCommercial > Retail > Restaurant
Legal DescriptionKW PT LOT 4 SQR 6 TR 4 H2-292 B OF W C-402/05 OR519-214 OR953-967 OR1036-233 OR1193-1256/58 OR1243-208/09 OR1433-464/67
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionKEY WEST SQUARE 06 TR 04
Legal Tract4
Legal Lot Number4
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1012
Census Tract972400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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

823 Whitehead St, a commercial property, is owned by a company that bought it in February 2017 and is owner-occupied.

Source: Monroe County records, as of December 5, 2025

Owner of RecordCompany Name on File
Mailing Address823 WHITEHEAD ST, KEY WEST, FL 33040-7421
OccupancyOwner Occupied
Owner TypeCompany

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

DateDocument
Oct 9, 2025Deed of Trust, Mortgage · Line of Credit
CENTENNIAL BANK
Feb 16, 2017Trustee's Deed, Transfer
CENTENNIAL BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 1, 2017 · Amount on File
Deed SaleFeb 1, 2017 · Amount on File
Prior SaleMay 21, 2004
Deed Document Number0028391967
Deed Book / Page2425 / 1330
Prior Transfer DateAug 3, 2009
Prior Transfer Doc1753429
Record UpdatedJun 8, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address823 WHITEHEAD ST, KEY WEST, FL 33040-7421
Transaction TypeMortgage
Record UpdatedOct 31, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address821-823 WHITEHEAD ST, 823, KEY WEST, FL 33040

Mortgage

Document Number0033481480
DateOct 9, 2025
Book Page3348/1480
Instrument2518186
Lender
NameCENTENNIAL BANK
TypeBank
AddressKEY WEST, FL 33040
Agreement
TypeLine of Credit
AmountAmount on Record

February 2017: Trustee's Deed, Transfer

Document TypeTrustee's Deed
JurisdictionMONROE FL
Recording DateFeb 16, 2017
Property Address823 WHITEHEAD ST, KEY WEST, FL 33040-7421
Document Number0028391967
Book / Page002839 / 001967
Instrument DateFeb 15, 2017
Instrument2110840
Transaction TypeTransfer
Record UpdatedAug 18, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$8,050.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3729 EAGLE AVE KEY WEST FL 330404524, KEY WEST, FL 33040-4524

Mortgage

Document Number28391970
DateFeb 16, 2017
Book Page002839/001970
Instrument2110841
Lender
NameCENTENNIAL BK
TypeBank
Address620 CHESTNUT ST, CONWAY, AR 72032-5404
Agreement
AmountAmount on Record
Term300 Months
DueFeb 15, 2042

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$878,527 Land $772,578 Building $105,949$878,527 Land $772,578 Building $105,949
2024$6,782.00 (+4.76%)
2023$6,474.00 (+7.1%)$816,560 (-) Land $708,197 Building $108,363$816,560 (-) Land $708,197 Building $108,363
2022$6,045.00$816,560 Land $708,197 Building $108,363$816,560 Land $708,197 Building $108,363

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

Flood

FEMA maps place 823 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 148 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies180 units insured
incl. 32 condo units
Nearby Flood Claims84 (1980–2022)
Claims Outside the SFHA41 of 84
Most Recent ClaimSep 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 823 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 RiskNot 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

ProviderMax 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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