1021 Fleming St, Key West, FL 33040 Property Records

Monroe County property record for 1021 Fleming St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,596 sqft · built 1938
Lot Size	0.107 acres (4,656 sqft)
Owner	2 Individual Names on File
Last Sale	$1,425,000 (Oct 2018)
Tax Bill	$11,730 (2024)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00005060-000000`

Property Details

APN / Parcel Number

Primary APN	`00005060-000000`
Alternative APNs	`01010100005060000000` `1005240`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,596 sqft Living Area
1st Floor Area	672 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	4,656 sqft (0.107 acres)
Lot Dimensions	96 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	252 sqft

Exterior Amenities

Pool Area	144 sqft
Porch	Open Porch
Porch Area	312 sqft
Deck Area	242 sqft
Patio Area	530 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1005240
Street Address	1021 FLEMING ST
City	KEY WEST
State	FL
Zip	33040-6962
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HMDR
Legal Description	KW PT LT 1 SQR 32 G4-582 OR109-134 OR458-643/44 OR810-1792 OR1131-29 OR1687-1534 OR2033-1104 OR2203-1099/02 OR2477-1022 OR2489-39/40 OR2510-2446 OR2932-2302
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	WILLIAM A WHITEHEADS MAP
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3002
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 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

1021 Fleming St is owned and occupied by two individuals who bought it in October 2018.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1021 FLEMING ST, KEY WEST, FL 33040-6962
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 22, 2018	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2018 · Amount on File
Deed Sale	Oct 22, 2018 · Amount on File
Prior Sale	Oct 25, 2010 · Amount on File
Deed Document Number	20182191664
Deed Book / Page	2932 / 2302
Prior Transfer Date	Mar 18, 2011
Prior Transfer Doc	0025102446
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1021 FLEMING ST, KEY WEST, FL 33040-6962
Document Number	0030261544
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 FLEMING ST KEY WEST FL 330406962, KEY WEST, FL 33040-6962

Mortgage

Document Number	0030261544
Date	Jun 12, 2020
Book Page	003026/001544
Instrument	2269161

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 11, 2035

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 22, 2018
Property Address	1021 FLEMING ST, KEY WEST, FL 33040-6962
Document Number	0029322302
Book / Page	002932 / 002302
Instrument Date	Oct 17, 2018
Instrument	2191664
Transaction Type	Transfer
Record Updated	Nov 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,975.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	544 PORTER LN KEY WEST FL 330408317, KEY WEST, FL 33040-8317

Mortgage

Document Number	29322304
Date	Oct 22, 2018
Book Page	002932/002304
Instrument	2191665

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 21, 2048

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		$1,448,436	$2,259,602 Land $1,519,718 Building $739,884
2024	$11,730.00 (+1.58%)
2023	$11,548.00 (+4.43%) Homeowner's exemption	$1,366,618 (+3%)	$1,993,365 (+18.27%) Land $1,302,749 Building $690,616
2022	$11,058.00 Homeowner's exemption	$1,326,814	$1,685,489 Land $987,072 Building $698,417

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

Flood

FEMA maps place 1021 Fleming 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

The area around 1021 Fleming 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 922 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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