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

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,405 sqft · built 1963
Lot Size0.139 acres (6,069 sqft)
Owner2 Individual Names on Record
Last Sale$699,000 (Aug 2016)
Tax Bill$7,569 (2025)
Deeds & MortgagesJan 2021 Mortgage
Oct 2020 Loan Modification
Flood ZoneZone AE (high risk)
APN00056090-000000

Property Details

APN / Parcel Number

Primary APN00056090-000000
Alternative APNs
  • 01010100056090000000
  • 1056634

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,405 sqft Living Area
1st Floor Area1,405 sqft
AtticAttic
Attic Area240 sqft
FlooringConcrete/Cement
Interior WallsWood

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 2013
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,069 sqft (0.139 acres)
Lot Dimensions102 ft deep x 60 ft wide
Garage TypeCarport
Garage Area240 sqft
CarportCarport
Carport Area240 sqft

Exterior Amenities

PorchSlab
Porch Area315 sqft
Deck Area180 sqft
Patio Area810 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1056634
Street Address908 18TH TER
CityKEY WEST
StateFL
Zip33040-4256
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF-2
Legal DescriptionBK 3 LT 17 KW PB5-19 PEARLMAN ESTATES SECOND ADDN OR324-413/14 OR434-847 OR805-413 OR1275-649/50 OR1476-349FJ OR1497-261 OR2510-114/15 OR2602-1426/27 OR2812-1489/90
Legal Range25E
Legal Township67S
Legal Section34
Legal SubdivisionPEARLMAN ESTATES SECOND ADDITION
Legal Block3
Legal Lot Number17
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1013
Census Tract971900

Owner

Source: Monroe County records, as of May 4, 2026

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 Address908 18TH TER, KEY WEST, FL 33040-4256
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 27, 2021Deed of Trust, Mortgage · VA Mortgage
THE FEDERAL SAVINGS BANK
Oct 17, 2020Loan Modification, Mortgage
WELLS FARGO BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 25, 2016 · Amount on Record
Deed SaleAug 25, 2016 · Amount on Record
Prior SaleMar 23, 2011 · Amount on Record
Deed Document Number20162089158
Deed Book / Page2812 / 1489
Prior Transfer DateDec 4, 2012
Prior Transfer Doc0026021426
Record UpdatedOct 29, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address908 18TH TER, KEY WEST, FL 33040-4256
Transaction TypeMortgage
Record UpdatedJul 29, 2022
Title CompanySUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF KEYS INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address908 18TH TER, KEY WEST, FL 33040-4256

Mortgage

Document Number0030711399
DateJan 27, 2021
Book Page3071/1399
Instrument2301278
Lender
NameTHE FEDERAL SAVINGS BANK
TypeBank
AddressCHICAGO, IL 60607
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2051

October 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address908 18TH TER, KEY WEST, FL 33040-4256
Document Number0030582032
Instrument DateOct 17, 2020
Transaction TypeMortgage
Record UpdatedDec 16, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address908 18TH TER KEY WEST FL 330404256, KEY WEST, FL 33040-4256

Mortgage

Document Number0030582032
DateNov 24, 2020
Book Page003058/002032
Instrument2292275
Lender
NameWELLS FARGO BK
TypeBank
AddressDES MOINES, IA 50328
Agreement
AmountAmount Recorded
Term324 Months
DueNov 23, 2047
Interest
Rate3.25%

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$7,569.00 (+0.28%) Homeowner's exemption Veteran's exemption$898,204 (-3.34%) Land $495,686 Building $402,518$898,204 (-3.34%) Land $495,686 Building $402,518
2024$7,548.00 (+4.82%)
2023$7,201.00 (+12.48%)$929,203 (+14.82%) Land $546,756 Building $382,447$929,203 (+14.82%) Land $546,756 Building $382,447
2022$6,402.00$809,265 Land $426,590 Building $382,675$809,265 Land $426,590 Building $382,675

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 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

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 305 locations within half a mile, as of December 31, 2025

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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