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831 Thomas St, Key West, FL 33040 Property Records

Monroe County property record for 831 Thomas St, Key West, FL 33040

Property Summary

Property TypeQuadplex
Details12 bd · 4 ba · 3,840 sqft · built 1964
Lot Size0.101 acres (4,385 sqft)
Owner2 Individual Names on Record
Tax Bill$11,392 (2024)
Deeds & MortgagesJul 2025 Mortgage
Nov 2020 Mortgage
Flood ZoneZone X (moderate risk)
APN00014350-000000

Property Details

APN / Parcel Number

Primary APN00014350-000000
Alternative APNs
  • 01010100014350000000
  • 1014745

Interior

Bedrooms12 Beds
Full Baths4 Baths
Units4 Units
Stories2 Stories
Building Area3,840 sqft Living Area
1st Floor Area3,840 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 2006
Architectural StyleQuadruplex
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeFlat
Roof MaterialTar & Gravel
Lot Area4,385 sqft (0.101 acres)
Lot Dimensions69 ft deep x 63 ft wide

Exterior Amenities

PorchOpen Porch
Porch Area720 sqft
Deck Area585 sqft
Patio Area585 sqft

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Account Number1014745
Street Address831 THOMAS ST
CityKEY WEST
StateFL
Zip33040-7397
Property CategoryResidential
Property TypeResidential > Multi-Unit > Quadplex
Local Zoning CodeHMDR
Legal DescriptionKW PT LT 12 SQR 1 TR 3 H2-365 OR543-648 OR1176-1848 OR1478-138 OR2538-956 OR2659-219 OR2663-1457 OR2699-177 OR3059-1154 OR3255-2108
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionWILLIAM A WHITEHEADS MAP
Legal Tract3
Legal Lot Number12
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1010
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

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 Record2 Individual Names on Record
Mailing Address831 THOMAS ST, 3, KEY WEST, FL 33040-7397
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 10, 2025Deed of Trust, Mortgage · Conventional Mortgage
AMERISAVE MORTGAGE CORP
Nov 30, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
FIRST HORIZON BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 18, 2011
Deed SaleOct 18, 2011
Prior SaleSep 12, 2011 · Amount on Record
Deed Document Number20111854985
Deed Book / Page2538 / 956
Last Transfer DateNov 24, 2020
Transfer Doc0030591154
Record UpdatedJun 8, 2026

July 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address831 THOMAS ST, KEY WEST, FL 33040-7397
Transaction TypeMortgage
Record UpdatedJan 12, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address831 THOMAS ST, KEY WEST, FL 33040-7397

Mortgage

Document Number0033341544
DateJul 10, 2025
Book Page3334/1544
Instrument2507364
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
AddressATLANTA, GA 30342
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2055

November 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateNov 30, 2020
Property Address831 THOMAS ST, KEY WEST, FL 33040-7397
Document Number0030591154
Book / Page3059 / 1154
Instrument DateNov 24, 2020
Instrument2292688
Transaction TypeTransfer
Record UpdatedSep 13, 2021
Title CompanyFIRST INTL TTL KEY WEST BRAN

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address831 THOMAS ST APT 3, 3, KEY WEST, FL 33040-7397

Mortgage

Document Number30591156
DateNov 30, 2020
Instrument3059/1156
Lender
NameFIRST HORIZON BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2050

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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$1,358,475 (+15.2%)$1,463,966 (+6.29%) Land $976,759 Building $487,207
2024$11,392.00 (+12.1%)
2023$10,162.00 (+14.86%) Homeowner's exemption$1,179,262 (+26.95%)$1,377,342 (+31.27%) Land $895,362 Building $481,980
2022$8,847.00 Homeowner's exemption$928,911$1,049,219 Land $542,644 Building $506,575

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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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