911 Watson St, Key West, FL 33040 Property Records

Monroe County property record for 911 Watson St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,014 sqft · built 1924
Lot Size	0.22 acres (9,585 sqft)
Owner	Company Name on Record
Last Sale	$2,050,000 (Apr 2021)
Tax Bill	$28,416 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00020850-000000`

Property Details

APN / Parcel Number

Primary APN	`00020850-000000`
Alternative APNs	`01010100020850000000` `1021598`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,014 sqft Living Area
Gross Area	2,424 sqft
1st Floor Area	2,014 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1924
Effective Year Built	Effective 2019
Architectural Style	Multi-Family
Exterior Material	Other
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,585 sqft (0.22 acres)
Garage Type	Attached
Garage Area	410 sqft

Exterior Amenities

Pool Area	656 sqft
Porch	Slab
Porch Area	523 sqft
Deck Area	215 sqft
Patio Area	635 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1021598
Street Address	911 WATSON ST
City	KEY WEST
State	FL
Zip	33040-3353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HHDR
Legal Description	KW PT LOTS 2, 4 AND 6 SQR 3 TR 6 PP-271 WW-147/148 E1-149 OR261-279/81 OR315-542/43 OR452-1/2 OR455-617 OR566-761/62 OR654-249 OR1294-1930 OR1294-1931 OR1407-1178/79 OR2464-1043/44 OR2464-1045/46 OR2487-1621/22 OR2554-1629/33 OR2627-1073/77 OR2653-19
Legal Range	25E
Legal Township	68S
Legal Section	05
Legal Subdivision	SQUARE THREE
Legal Tract	6
Legal Lot Number	2,4,6
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3022
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 May 4, 2026

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

Owner of Record	Company Name on Record
Mailing Address	129 KEYES RD, SUNAPEE, NH 03782-3304
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2019	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 15, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Mar 10, 2021	Warranty Deed, Transfer AMERICAN TITLE COMPANY, AMERICAN TITLE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2021 · Amount on Record
Deed Sale	Apr 15, 2021 · Amount on Record
Prior Sale	Mar 10, 2021 · Amount on Record
Deed Document Number	20212314068
Deed Book / Page	3089 / 1289
Prior Transfer Date	Apr 29, 2010
Prior Transfer Doc	0024641045
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	911 WATSON ST, KEY WEST, FL 33040-3353
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030002230
Date	Dec 26, 2019
Book Page	3000/2230
Instrument	2249679

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 10, 2044

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 15, 2021
Property Address	911 WATSON ST, KEY WEST, FL 33040-3353
Document Number	0030891289
Book / Page	3089 / 1289
Map Reference	MB I PG 425
Instrument Date	Apr 12, 2021
Instrument	2314068
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FLORIDA TITLE PROFESSIONAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	911 WATSON ST, 911, KEY WEST, FL 33040-3353

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	129 KEYES RD, SUNAPEE, NH 03782-3304

Mortgage

Document Number	0030891300
Date	Apr 15, 2021
Instrument	3089/1300

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 10, 2021
Property Address	911 WATSON ST, KEY WEST, FL 33040-3353
Document Number	0030801481
Book / Page	3080 / 1481
Map Reference	MB A PG 425
Instrument Date	Mar 1, 2021
Instrument	2307751
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$6,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	911 WATSON ST, 911, KEY WEST, FL 33040-3353

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11741 ROAD 191, OAKWOOD, OH 45873-9346

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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	$28,416.00 (+6.61%)	$3,827,107 (+5.01%) Land $2,087,613 Building $1,739,494	$3,827,107 (+5.01%) Land $2,087,613 Building $1,739,494
2024	$26,655.00 (+5.75%)
2023	$25,205.00 (+38.22%)	$3,644,421 (+69.07%) Land $1,976,906 Building $1,667,515	$3,644,421 (+69.07%) Land $1,976,906 Building $1,667,515
2022	$18,235.00	$2,155,520 Land $1,265,220 Building $890,300	$2,155,520 Land $1,265,220 Building $890,300

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 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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