909 Pohalski St, Key West, FL 33040 Property Records

Monroe County property record for 909 Pohalski St, Key West, FL 33040

Property Summary

Property Type	Multi-Family Dwellings
Details	2 bd · 3 ba · 1,268 sqft · built 1928
Lot Size	0.034 acres (1,491 sqft)
Owner	Individual Name on Record
Last Sale	$1,000,000 (Sep 2021)
Tax Bill	$8,584 (2024)
Deeds & Mortgages	Jan 2023 Line of Credit Sep 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00021200-000000`

Property Details

APN / Parcel Number

Primary APN	`00021200-000000`
Alternative APN	`1021946`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	1,268 sqft Total Area
1st Floor Area	1,268 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2017
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,491 sqft (0.034 acres)
Lot Width	27 ft Width

Exterior Amenities

Porch	Porch
Porch Area	201 sqft
Patio Area	577 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1021946
Street Address	909 POHALSKI ST
City	KEY WEST
State	FL
Zip	33040-3357
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	KW PB 1-46 PT LT 20 AND ALL LT 25 AND PT LT 27 OF TR 6 E1-27 OR319-560/61 OR552-157 OR782-493 OR786-1554 OR810-831 OR844-980
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	DIAGRAM
Legal Tract	6
Legal Lot Number	20
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3017
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

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	909 POHALSKI ST, KEY WEST, FL 33040-3357
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Sep 2, 2021	Warranty Deed, Transfer · Conventional Mortgage NEXERA HOLDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2021 · Amount on Record
Deed Sale	Sep 2, 2021 · Amount on Record
Prior Sale	Apr 5, 2013
Deed Document Number	2338104
Deed Book / Page	3123 / 1547
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	909 POHALSKI ST, KEY WEST, FL 33040-3357
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 POHALSKI ST, KEY WEST, FL 33040-3357
Investor	Possibly a Property Investor

Mortgage

Document Number	0032062229
Date	Jan 3, 2023
Book Page	3206/2229
Instrument	2402230

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	KEY WEST, FL 33041

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 19, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 2, 2021
Property Address	909 POHALSKI ST, KEY WEST, FL 33040-3357
Document Number	0031231547
Book / Page	3123 / 1547
Map Reference	MB 1 PG 46
Instrument Date	Aug 31, 2021
Instrument	2338104
Transaction Type	Transfer
Record Updated	Jul 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2515 NELA AVE, 2515, BELLE ISLE, FL 32809-6170

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 POHALSKI ST, KEY WEST, FL 33040-3357
Investor	Possibly a Property Investor

Mortgage

Document Number	0031231550
Date	Sep 2, 2021
Instrument	3123/1550

Lender

Name	NEXERA HOLDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

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		$1,142,596 (+20.53%) Land $556,400 Building $586,196	$1,142,596 (+3.31%) Land $556,400 Building $586,196
2024	$8,584.00 (+2.37%)
2023	$8,385.00 (+6.52%) Homeowner's exemption	$947,965 (+6.91%)	$1,105,981 (+24.73%) Land $544,888 Building $561,093
2022	$7,872.00 Homeowner's exemption	$886,678 Land $363,259 Building $523,419	$886,678 Land $363,259 Building $523,419

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 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 Record median of 248 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	259 units insured incl. 11 condo units
Nearby Flood Claims	11 (2005–2025)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Wilma, Oct 2005 · 3 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 662 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

May also be available: Hotwire Communications.

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