1108 Fleming St, Key West, FL 33040 Property Records

Monroe County property record for 1108 Fleming St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,457 sqft · built 1933
Lot Size	0.06 acres (2,637 sqft)
Owner	Company Name on File
Last Sale	$2,254,000 (Aug 2023)
Tax Bill	$14,926 (2024)
Deeds & Mortgages	Aug 2023 Sale Mar 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00007040-000000`

Property Details

APN / Parcel Number

Primary APN	`00007040-000000`
Alternative APNs	`01010100007040000000` `1007293`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,457 sqft Living Area
1st Floor Area	1,044 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2013
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	2,637 sqft (0.06 acres)
Lot Dimensions	105 ft deep x 25 ft wide

Exterior Amenities

Pool Area	192 sqft
Porch	Open Porch
Porch Area	90 sqft
Patio Area	702 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1007293
Old Parcel Number	01010100007040000000
Street Address	1108 FLEMING ST
City	KEY WEST
State	FL
Zip	33040-6910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KW PT LOT 3 SQR 44 G31-79/80 OR396-425/27 OR925-2427/29 OR929-1389/94 OR930-547 OR956-452 OR1466-2055 OR1537-819 OR1549-1598
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 44
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3004
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

Source: Monroe County assessment roll, as of July 1, 2025

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

Owner of Record	Company Name on File
Mailing Address	1108 FLEMING ST, KEY WEST, FL 33040-6910
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 2, 2021	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 18, 2023 · Amount on Record
Deed Sale	Aug 18, 2023 · Amount on Record
Prior Sale	Mar 2, 2021 · Amount on Record
Deed Document Number	2429010
Deed Book / Page	3239 / 76
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 18, 2023
Property Address	1108 FLEMING ST, KEY WEST, FL 33040-6910
Document Number	0032390076
Book / Page	3239 / 76
Map Reference	MB G PG 485
Instrument Date	Aug 17, 2023
Instrument	2429010
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$15,778.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	713 PRESIDENTIAL DR, BOYNTON BEACH, FL 33435-2431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 FLEMING ST, KEY WEST, FL 33040-6910

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 2, 2021
Property Address	1108 FLEMING ST, KEY WEST, FL 33040-6910
Document Number	0030782354
Book / Page	3078 / 2354
Map Reference	MB G PG 485
Instrument Date	Mar 1, 2021
Instrument	2306480
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85 SECOND STREET, 85, OAKVILLE XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15401 WINDMILL POINTE DR, GROSSE POINTE PARK, MI 48230-1745

Mortgage

Document Number	0030782356
Date	Mar 2, 2021
Instrument	3078/2356

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.55%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.55%
Index	Other
Margin	3
Max Rate	7.55%

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		$1,725,873 (+9.78%) Land $1,103,130 Building $622,743	$1,725,873 (+9.78%) Land $1,103,130 Building $622,743
2024	$14,926.00 (+22.15%)
2023	$12,219.00 (+18.3%)	$1,572,052 (+31.28%) Land $945,637 Building $626,415	$1,572,052 (+31.28%) Land $945,637 Building $626,415
2022	$10,329.00	$1,197,489 Land $716,494 Building $480,995	$1,197,489 Land $716,494 Building $480,995

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 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 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 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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