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  5. 18th St

908 18th St, Key West, FL 33040 Property Records

Monroe County property record for 908 18th St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,008 sqft · built 1965
Lot Size0.133 acres (5,800 sqft)
OwnerIndividual Name on File
Last Sale$800,000 (Apr 2025)
Tax Bill$4,107 (2024)
Deeds & MortgagesJul 2019 Mortgage
Apr 2018 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00055900-000000

Property Details

APN / Parcel Number

Primary APN00055900-000000
Alternative APNs
  • 01010100055900000000
  • 1056448

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,008 sqft Living Area
1st Floor Area1,008 sqft
FlooringConcrete/Cement
Interior WallsPlywood

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 2017
Exterior MaterialOther
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,800 sqft (0.133 acres)
Lot Dimensions100 ft deep x 58 ft wide

Exterior Amenities

PorchOpen Porch
Porch Area45 sqft
Deck Area230 sqft
Patio Area230 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1056448
Old Parcel Number01010100055900000000
Street Address908 18TH ST
CityKEY WEST
StateFL
Zip33040-4204
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 2 LT 2 PB5-19 PEARLMAN ESTATES SECOND ADDN OR271-105/106 OR758-1179 OR1331-727/728Q/C OR1335- 2376/77Q/C OR1699-1721Q/C
Legal Range25E
Legal Township67S
Legal Section34
Legal SubdivisionPEARLMAN ESTATES SECOND ADDITION
Legal Block2
Legal Lot Number2
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1011
Census Tract971900

Owner

Source: Monroe County assessment roll, APN 00055900-000000, as of July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address905 16TH TER, KEY WEST, FL 33040-4244
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 08, 2019Deed of Trust, Mortgage · Conventional Mortgage
CENTENNIAL BANK
Apr 30, 2018Warranty Deed, Transfer · Conventional Mortgage
CENTENNIAL BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 04, 2025 · Amount on Record
Deed SaleApr 04, 2025 · Amount on Record
Prior SaleApr 30, 2018 · Amount on Record
Deed Document Number2495863
Deed Book / Page3319 / 2175
Record UpdatedJun 08, 2026

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address908 18TH ST, KEY WEST, FL 33040-4204
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029731992
DateJul 08, 2019
Book Page2973/1992
Instrument2227685
Lender
NameCENTENNIAL BANK
TypeBank
AddressCONWAY, AR 72033
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2049

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateApr 30, 2018
Property Address908 18TH ST, KEY WEST, FL 33040-4204
Document Number0029040289
Book / Page2904 / 0289
Instrument DateApr 23, 2018
Instrument2166833
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,990.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 2490, LABELLE, FL 33975-2490

Transferred To (Grantee/Buyer)

NameVerified Name
Address908 18TH ST, KEY WEST, FL 33040-4204

Mortgage

Document Number0002166834
DateApr 30, 2018
Instrument2166834
Lender
NameCENTENNIAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll as of July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$530,490 (+5.99%)$708,741 (-4.84%) Land $478,500 Building $230,241
2024$4,107.00 (+2.06%)
2023$4,024.00 (+3.6%)$500,525 (+3%)$744,775 (+18%) Land $527,800 Building $216,975
2022$3,884.00$485,947$631,170 Land $411,800 Building $219,370

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879719001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 532 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies721 units insured
incl. 189 condo units
Nearby Flood Claims473 (1980–2026)
Claims Outside the SFHA3 of 473
Most Recent ClaimJun 2026 · other causes
Claims by Event
  • Hurricane Irma, Sep 2017 · 91 claims
  • Hurricane Wilma, Oct 2005 · 274 claims
  • Hurricane Georges, Oct 1998 · 56 claims

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 305 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax 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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