646 William Street, Key West, FL 33040

New Listing

$1,400,000

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,780 Lot Size (sq. ft.): 4,116 Status: Active

Current Price: $1,400,000 List Date: 9/25/2026 Last Modified: 9/26/2026

Overview

Description

644 William Street The property being sold is 644 William Street. The current property record/card reflects both 644 and 646 William Street, although the property being conveyed is 644 William Street. The structure at 644 William Street is a two-and-a-half-story home currently configured as a duplex and is in need of renovation. The first floor consists of two bedrooms and two bathrooms. The second floor contains two bedrooms and one bathroom. A stairwell provides access to the third floor, which is currently unfinished and is not completed or configured as living space. In its current condition, the property contains four bedrooms and three bathrooms of finished living area, with additional unfinished space on the third floor. The property is currently being used/configured as a duplex and will require renovation.

Listing Details MLS# 621406

Location, Tax & Legal

Street #: 646
Street Name: William
Street Suffix: Street
Key/Island: Key West
State/Province: FL
Zip Code: 33040
County: Monroe
Subdivision: Old Town - Unlisted (1.0)
Area: 02 - Key West
KW Neighborhood: Old Town-N of Truman
City: KEY WEST
Mile Marker: 1
Marathon Neighborhood: N/A
Side: Median
Alternate Key #: 1019453
Parcel #: 00018810000000
Zoning: HHDR - Historic High Density Residential
Deed Restrictions: Unknown
Legal: Kw Pt Of Tr 5 C3-569
Taxes: 13849.76
Tax Year: 2025
Pub Sewer HkUp: Yes

Contract Information

Listing Board: Key West Association
Potential Short Sale: No
Bank Owned: No

General Property Description

Realtor.COM Type: Multi-family
Style: Duplex
Waterfront: No
Pool: No
Year Built: 1928
Lot SqFt: 4116
Acres: 0.09
Living Apx SqFt: 1780
SqFt Source: Property Data Card
Total Bedrooms: 3
Full Baths: 2
Total Baths: 2
Rentals Allowed: Yes
Min Rental Days: 30
Control Depth: 0

Association Info

Mandatory Home Owners Asc: No
1st Right of Refusal: No
Association Fee $: 0

Building Style

Above Flood: Yes
Stories: 2 Stories
Conch: Yes

More Information

Financial Status

Bank Owned: No
Potential Short Sale: No

Remarks & Misc

Remarks – Consumer: 644 William Street The property being sold is 644 William Street. The current property record/card reflects both 644 and 646 William Street, although the property being conveyed is 644 William Street. The structure at 644 William Street is a two-and-a-half-story home currently configured as a duplex and is in need of renovation. The first floor consists of two bedrooms and two bathrooms. The second floor contains two bedrooms and one bathroom. A stairwell provides access to the third floor, which is currently unfinished and is not completed or configured as living space. In its current condition, the property contains four bedrooms and three bathrooms of finished living area, with additional unfinished space on the third floor. The property is currently being used/configured as a duplex and will require renovation.

License Info

Non Trans Rntl Lic: Yes

Fee Includes

None: Yes

Dockage

None: Yes

Tax Exemptions

None: Yes

Pets

Pets Allowed: Yes

Cooling

Wall/Window Unit(s): Yes

Heating

Hot Water: Yes

Waterfront

None: Yes

Waterview

No Waterview: Yes

Floor

Combo: Yes

Property Condition

Fixer Upper: Yes

Windows/Doors

Wood Windows: Yes

Vehicle Storage

Off Street Parking: Yes

Security

No Security: Yes

Construction

Frame: Yes

Land Size

Less Than 1/4 Acre: Yes

Furnished

Unfurnished: Yes

Terms

Cash: Yes
Conventional: Yes

Utilities

FKAA: Yes

Porch/Balcony

Open Porch/Balcony: Yes

Title

Title Ins - Seller: Yes

Roof

Metal Roof: Yes

Shutters

Other: Yes

Property Features

Fee Includes: None Tax Exemptions: None License Info: Non Trans Rntl Lic Waterfront: None Waterview: No Waterview Dockage: None Property Condition: Fixer Upper Building Style: Conch Vehicle Storage: Off Street Parking Furnished: Unfurnished Cooling: Wall/Window Unit(s) Heating: Hot Water Utilities: FKAA Construction: Frame Shutters: Other Floor: Combo Roof: Metal Roof Pets: Pets Allowed Security: No Security Land Size: Less Than 1/4 Acre Terms: Cash; Conventional Title: Title Ins - Seller

Listing Office: Coldwell Banker Schmitt Real Estate Co. (KW)

Last Updated: September - 26 - 2026

The data relating to real estate for sale on this web site comes in part from the Florida Keys MLS, Inc. Information provided is deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. The information being provided is for consumers’ personal, non-commeral use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IDX data is deemed reliable but is not guaranteed accurate by the MLS.

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