Monroe County property record for 904 James St, Key West, FL 33040
| Property Type | Triplex |
|---|---|
| Details | 4 bd · 3 ba · 2,250 sqft · built 1925 |
| Lot Size | 0.049 acres (2,125 sqft) |
| Owner | Company Name on File |
| Last Sale | $660,000 (May 2021) |
| Tax Bill | $10,589 (2024) |
| Deeds & Mortgages | May 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00002870-000000 |
| Primary APN | 00002870-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 2,250 sqft Living Area |
| 1st Floor Area | 2,250 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Triplex |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Flat |
| Roof Material | Asphalt |
| Lot Area | 2,125 sqft (0.049 acres) |
| Lot Dimensions | 50 ft deep x 45 ft wide |
| Porch | Unfinished Open Porch |
| Porch Area | 225 sqft |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1002968 |
|---|---|
| Street Address | 904 JAMES ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-6796 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | HMDR |
| Legal Description | KW PT LOT 4 SQR 20 OR4-273/74 OR22-419/21 OR22-422/23 OR769-581 OR770-581/85 OR773-917/18 OR810-2149 OR916-2164 OR1001-1817 OR1867-1904/05 OR1970-1926 OR1986-2086 OR2210-113 OR3096-0097 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | CITY OF KEY WEST |
| Legal Lot Number | 4 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 972500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Key West Historic District listed 1971 · 189 contributing resources · NRIS 71000245 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
904 James St, a triplex, is owned by a company that bought it in May 2021.
Source: Monroe County records, as of April 14, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1560 HILLCREST AVE, WINTER PARK, FL 32789-5755 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2021 · Amount on File |
| Deed Sale | May 10, 2021 · Amount on File |
| Prior Sale | Jan 28, 2004 |
| Deed Document Number | 20212318587 |
| Deed Book / Page | 3096 / 97 |
| Prior Transfer Date | Jul 11, 2005 |
| Prior Transfer Doc | 0022101113 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | May 10, 2021 |
| Property Address | 904 JAMES ST, KEY WEST, FL 33040-6796 |
| Document Number | 0030960097 |
| Book / Page | 3096 / 97 |
| Instrument Date | May 4, 2021 |
| Instrument | 2318587 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,620.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 205 E ORCHID RD, 205, WILDWOOD, NJ 08260-3857 |
| Name | Verified Name |
|---|---|
| Address | 1560 HILLCREST AVE, WINTER PARK, FL 32789-5755 |
| Document Number | 0030960103 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 3096/103 |
| Instrument | 2318589 |
| Name | SCOTT A SAUNDERS |
|---|---|
| Type | Private Party |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 4, 2026 |
Source: Monroe County assessment roll, as of December 8, 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 | $1,125,910 Land $702,270 Building $423,640 | $1,125,910 Land $702,270 Building $423,640 | |
| 2024 | $10,589.00 (+6.48%) | ||
| 2023 | $9,945.00 (+12.23%) | $1,058,613 (+16.16%) Land $645,469 Building $413,144 | $1,058,613 (+16.16%) Land $645,469 Building $413,144 |
| 2022 | $8,861.00 | $911,368 Land $488,835 Building $422,533 | $911,368 Land $488,835 Building $422,533 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 904 James St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 202 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 242 units insured incl. 40 condo units |
| Nearby Flood Claims | 400 (1978–2024) |
| Claims Outside the SFHA | 44 of 400 |
| Most Recent Claim | May 2024 · other causes |
| 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 904 James 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 922 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
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