905 18th Ter, Key West, FL 33040 Property Records

Monroe County property record for 905 18th Ter, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 1963
Lot Size	0.133 acres (5,826 sqft)
Owner	Individual Name on Record
Last Sale	$1,072,000 (Apr 2025)
Tax Bill	$6,689 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00056110-000000`

Property Details

APN / Parcel Number

Primary APN	`00056110-000000`
Alternative APN	`1056651`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,424 sqft Living Area
1st Floor Area	1,424 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2017
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,826 sqft (0.133 acres)
Lot Dimensions	100 ft deep x 58 ft wide

Exterior Amenities

Pool Area	364 sqft
Porch	Open Porch
Porch Area	45 sqft
Deck Area	600 sqft
Patio Area	1,433 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1056651
Street Address	905 18TH TER
City	KEY WEST
State	FL
Zip	33040-4267
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 4 LT 3 KW PB5-19 PEARLMAN ESTATES SECOND ADDN OR245-597/98 OR538-861 OR713-44 OR895-336D/C OR1191-1380 OR1287-63 OR1287-64
Legal Range	25E
Legal Township	67S
Legal Section	34
Legal Subdivision	PEARLMAN ESTATES SECOND ADDITION
Legal Block	4
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1011
Census Tract	971900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	905 18TH TER, KEY WEST, FL 33040-4267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS LLC
Dec 29, 2020	Deed of Trust, Mortgage · VA Mortgage CAPITAL BANK NA
Sep 15, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2025 · Amount on Record
Deed Sale	Apr 11, 2025 · Amount on Record
Prior Sale	Jul 13, 2021 · Amount on Record
Deed Document Number	2496742
Deed Book / Page	3320 / 2184
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 13, 2021
Property Address	905 18TH TER, KEY WEST, FL 33040-4267
Document Number	0031112424
Book / Page	3111 / 2424
Map Reference	MB 5 PG 19
Instrument Date	Jul 7, 2021
Instrument	2329789
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	ELITE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,803.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17233 STARFISH LN E, 17233, SUGARLOAF KEY, FL 33042-3665

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 18TH TER, KEY WEST, FL 33040-4267

Mortgage

Document Number	31112426
Date	Jul 13, 2021
Instrument	3111/2426

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	905 18TH TER, KEY WEST, FL 33040-4267
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 18TH TER, KEY WEST, FL 33040-4267

Mortgage

Document Number	0030652124
Date	Dec 29, 2020
Book Page	3065/2124
Instrument	2297037

Lender

Name	CAPITAL BANK NA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Aug 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	905 18TH TER, KEY WEST, FL 33040-4267
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 18TH TER, KEY WEST, FL 33040-4267

Mortgage

Document Number	0030440417
Date	Sep 15, 2020
Book Page	3044/417
Instrument	2281689

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$818,597 (+5.99%)	$850,045 (-1.39%) Land $480,645 Building $369,400
2024	$6,689.00 (+1.67%)
2023	$6,579.00 (+4.49%) Homeowner's exemption	$772,357 (+3%)	$862,009 (+14.96%) Land $530,166 Building $331,843
2022	$6,296.00 Homeowner's exemption	$749,862 Land $413,646 Building $336,216	$749,862 Land $413,646 Building $336,216

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 532 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	721 units insured incl. 189 condo units
Nearby Flood Claims	473 (1980–2026)
Claims Outside the SFHA	3 of 473
Most Recent Claim	Jun 2026 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 91 claims Hurricane Wilma, Oct 2005 · 274 claims Hurricane Georges, Oct 1998 · 56 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 305 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

May also be available: Hotwire Communications, Verizon.

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