908 Catherine St, Key West, FL 33040 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,572 sqft · built 1923
Lot Size	0.055 acres (2,400 sqft)
Owner	Company Name on File
Last Sale	$1,667,000 (Feb 2026)
Tax Bill	$8,024 (2024)
Deeds & Mortgages	Feb 2026 Sale Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00031910-000000`

Property Details

APN / Parcel Number

Primary APN	`00031910-000000`
Alternative APNs	`01010100031910000000` `1032697`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,572 sqft Living Area
1st Floor Area	1,572 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1923
Effective Year Built	Effective 2012
Exterior Material	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,400 sqft (0.055 acres)
Porch	Open Porch
Porch Area	148 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1032697
Old Parcel Number	01010100031910000000
Street Address	908 CATHERINE ST
City	KEY WEST
State	FL
Zip	33040-3202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KW G G WATSON SUB I-209 PT LOTS 1-2 SQR 7 TR 13 H-2/484 OR384-1008(PROB-10-111A) OR422-931 OR812-2124Q/C OR2432-1295D/C
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	KW G G WATSON SUB
Legal Tract	13
Legal Lot Number	1-2 2
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2017
Census Tract	972800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within 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

908 Catherine St is owned by a company that bought it in February 2026.

Source: Monroe County records, as of February 18, 2026

Owner of Record	Company Name on File
Mailing Address	20 MOREY LN, RANDOLPH, NJ 07869-4635
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Warranty Deed, Transfer
Jan 29, 2024	Deed of Trust, Mortgage BUILDER FINANCE INC
Jun 6, 2022	Warranty Deed, Transfer · Commercial Mortgage COMMERCIAL LENDER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2026 · Amount on File
Deed Sale	Feb 3, 2026 · Amount on File
Prior Sale	Jun 6, 2022 · Amount on File
Deed Document Number	2530625
Deed Book / Page	3364 / 1686
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 3, 2026
Property Address	908 CATHERINE ST, KEY WEST, FL 33040-3202
Document Number	0033641686
Book / Page	3364 / 1686
Map Reference	MB I PG 209
Instrument Date	Jan 23, 2026
Instrument	2530625
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
Tax	$11,669.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 526, STATHAM, GA 30666-0011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MOREY LN, RANDOLPH, NJ 07869-4635

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	908 CATHERINE ST, KEY WEST, FL 33040-3202
Transaction Type	Mortgage
Record Updated	Feb 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3001 MONROE HWY 200B, 200B, BOGART, GA 30622-8333

Mortgage

Document Number	0032600306
Date	Jan 29, 2024
Book Page	3260/306
Instrument	2449179

Lender

Name	BUILDER FINANCE INC
Type	Mortgage Company
Address	101 S REID ST STE 203, SIOUX FALLS, SD 57103

Agreement

Amount	Amount on Record
Term	24 Months
Due	Jan 25, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 6, 2022
Property Address	908 CATHERINE ST, KEY WEST, FL 33040-3202
Document Number	0031771730
Book / Page	3177 / 1730
Map Reference	MB I PG 209
Instrument Date	Jun 3, 2022
Instrument	2378505
Transaction Type	Transfer
Record Updated	Jun 24, 2022

Transaction

Amount	Amount on Record
Tax	$6,440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5908 24TH AVE S, 5908, TAMPA, FL 33619-5463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3001 MONROE HWY STE 200B, 200B, BOGART, GA 30622-8333

Mortgage

Document Number	0031771733
Date	Jun 6, 2022
Book Page	3177/1733
Instrument	2378507

Lender

Name	COMMERCIAL LENDER LLC
Type	Non-Lending Institution
Address	VERNON ROCKVILLE, CT 06066

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Jul 1, 2023

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		$977,126 Land $609,840 Building $367,286	$977,126 Land $609,840 Building $367,286
2024	$8,024.00 (+8.27%)
2023	$7,411.00 (+27.71%)	$830,551 (+9.24%) Land $530,460 Building $300,091	$830,551 (+9.24%) Land $530,460 Building $300,091
2022	$5,803.00	$760,287 Land $456,120 Building $304,167	$760,287 Land $456,120 Building $304,167

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 908 Catherine St in Zone X, an area of moderate flood risk, though there have been 4 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 191 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	198 units insured incl. 7 condo units
Nearby Flood Claims	4 (1994–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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

The area around 908 Catherine 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 917 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, T-Mobile.

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