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920 Caroline St, Key West, FL 33040 Property Records

Monroe County property record for 920 Caroline St, Key West, FL 33040

Property Summary

Property TypeRestaurant
Details3,714 sqft · built 1943
Lot Size0.114 acres (5,000 sqft)
OwnerCompany Name on File
Last Sale$1,475,000 (Mar 2024)
Tax Bill$9,498 (2024)
Deeds & MortgagesMar 2024 Sale & Line of Credit
Flood ZoneZone AE (high risk)
APN00002790-000000

Property Details

APN / Parcel Number

Primary APN00002790-000000
Alternative APNs
  • 01010100002790000000
  • 1002895

Interior

Stories2 Stories
Building Area3,714 sqft Total Area
1st Floor Area3,724 sqft

Exterior

Year BuiltBuilt 1943
Effective Year BuiltEffective 2012
Exterior MaterialWood Siding
Fire ResistanceFireproof Reinforced Concrete
Foundation TypeSlab (Mat/Raft)
Roof TypeFlat
Roof MaterialRolled Roofing
Lot Area5,000 sqft (0.114 acres)
Lot Dimensions100 ft deep x 50 ft wide

Exterior Amenities

PorchOpen Porch
Porch Area543 sqft
Patio Area656 sqft
Canopy145 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemForced Air

Location & Zoning

Account Number1002895
Old Parcel Number01010100002790000000
Street Address920 CAROLINE ST
CityKEY WEST
StateFL
Zip33040-6637
Property CategoryCommercial
Property TypeCommercial > Retail > Restaurant
Legal DescriptionKW PT LT 2 SQR 20 G65-207/08 OR496-883 OR945-1272/73 OR1049-2261/62 OR2515-1830/33 OR2687-842 OR3267-0118
Legal Range25E
Legal Township67S
Legal Section31
Legal SubdivisionKEY WEST SQUARE 20
Legal Lot Number2
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1011
Census Tract972500

Historic Designation

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

Historic DistrictWithin the Key West Historic District
listed 1971 · 189 contributing resources · NRIS 71000245

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

920 Caroline St, a commercial property, is owned by a company that bought it in March 2024.

Source: Monroe County records, as of December 5, 2025

Owner of RecordCompany Name on File
Mailing Address22658 OVERSEAS HWY, CUDJOE KEY, FL 33042-4255
Owner TypeCompany

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 15, 2024 · Amount on File
Deed SaleMar 15, 2024 · Amount on File
Prior SaleJun 3, 2014
Deed Document Number2454691
Deed Book / Page3267 / 118
Record UpdatedJun 8, 2026

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMar 15, 2024
Property Address920 CAROLINE ST, KEY WEST, FL 33040-6637
Document Number0032670118
Book / Page3267 / 118
Instrument DateMar 8, 2024
Instrument2454691
Transaction TypeTransfer
Record UpdatedApr 25, 2024

Transaction

AmountAmount on Record
Tax$10,325.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2038 CASA MARCIA CRESCENT VICTORIA, BRITISH COLUMBIA, CA

Transferred To (Grantee/Buyer)

NameVerified Name
Address22658 OVERSEAS HWY, CUDJOE KEY, FL 33042-4255

Mortgage

Document Number0002454694
DateMar 15, 2024
Instrument2454694
Lender
NameTRUIST BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount on Record

Mortgage

Document Number0032670142
DateMar 15, 2024
Book Page3267/142
Instrument2454694
Lender
NameTRUIST BANK
TypeBank
Address1010 KENNEDY DR STE 100, KEY WEST, FL 33040
Agreement
TypeLine of Credit
AmountAmount on Record

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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$1,554,479 Land $1,058,500 Building $495,979$1,554,479 Land $1,058,500 Building $495,979
2024$9,498.00 (+0.5%)
2023$9,451.00 (-0.04%)$1,088,106 (-1.45%) Land $730,000 Building $358,106$1,088,106 (-1.45%) Land $730,000 Building $358,106
2022$9,455.00$1,104,130 Land $730,000 Building $374,130$1,104,130 Land $730,000 Building $374,130

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

Flood

FEMA maps place 920 Caroline St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 202 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies242 units insured
incl. 40 condo units
Nearby Flood Claims400 (1978–2024)
Claims Outside the SFHA44 of 400
Most Recent ClaimMay 2024 · other causes
Claims by Event
  • Hurricane Irma, Sep 2017 · 92 claims
  • Hurricane Wilma, Nov 2005 · 117 claims
  • Hurricane Georges, Oct 1998 · 57 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 920 Caroline 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 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 922 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
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Hotwire Communications.

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