323 Fleming St, Key West, FL 33040 Property Records

Monroe County property record for 323 Fleming St, Key West, FL 33040

Property Summary

Property Type	Commercial Office
Details	2,408 sqft · built 1939
Lot Size	0.106 acres (4,611 sqft)
Owner	Company Name on Record
Last Sale	$600,000 (Oct 2001)
Tax Bill	$10,292 (2024)
Deeds & Mortgages	Jun 2023 Mortgage May 2021 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00006700-001300`

Property Details

APN / Parcel Number

Primary APN	`00006700-001300`
Alternative APN	`8968048`

Interior

Stories	2 Stories
Building Area	2,408 sqft Gross Area
1st Floor Area	2,408 sqft
Flooring	Wood

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,611 sqft (0.106 acres)
Lot Dimensions	69 ft deep x 44 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	792 sqft
Deck Area	552 sqft
Patio Area	552 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	8968048
Street Address	323 FLEMING ST
City	KEY WEST
State	FL
Zip	33040-6526
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	HPS
Legal Description	KW PT LOTS 1 & 4 SQR 39 (.1057 AC) (A/K/A P-1) OR1654-715/717 OR1732-187/188 OR3096-1215
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	ACREAGE & UNREC
Legal Lot Number	1,4
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2050
Census Tract	972500

Owner

Source: Monroe County records, as of April 14, 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	323 FLEMING ST, KEY WEST, FL 33040-6526
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2023	Deed of Trust, Mortgage · Commercial Mortgage TRUST BANK
May 11, 2021	Warranty Deed, Transfer · Line of Credit TRUIST BANK
Feb 21, 2017	Deed of Trust, Mortgage IBERIABANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2001 · Amount on Record
Deed Sale	Oct 17, 2001 · Amount on Record
Prior Sale	Sep 15, 2000 · Amount on Record
Deed Book / Page	1732 / 187
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	323 FLEMING ST, KEY WEST, FL 33040-6526
Transaction Type	Mortgage
Record Updated	Jul 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 EISENHOWER DR, KEY WEST, FL 33040-7209

Mortgage

Document Number	0032301815
Date	Jun 19, 2023
Book Page	3230/1815
Instrument	2422205

Lender

Name	TRUST BANK
Type	Private Party
Address	1010 KENNEDY DR STE 100, KEY WEST, FL 33040

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 11, 2021
Property Address	323 FLEMING ST, KEY WEST, FL 33040-6526
Document Number	0030961215
Book / Page	3096 / 1215
Instrument Date	May 7, 2021
Instrument	2318852
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$8,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 FLEMING ST, 323, KEY WEST, FL 33040-6526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5508, KEY WEST, FL 33045-5508

Mortgage

Document Number	0030961223
Date	May 11, 2021
Instrument	3096/1223

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	323 FLEMING ST, KEY WEST, FL 33040-6526
Document Number	0028400456
Instrument Date	Feb 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	323 FLEMING ST KEY WEST FL 330406526, KEY WEST, FL 33040-6526

Mortgage

Document Number	0028400456
Date	Feb 22, 2017
Book Page	002840/000456
Instrument	2111269

Lender

Name	IBERIABANK
Type	Bank
Address	NAPLES, FL 34102

Agreement

Amount	Amount Recorded

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		$1,261,844 (+4.38%) Land $980,115 Building $281,729	$1,261,844 (+4.38%) Land $980,115 Building $281,729
2024	$10,292.00 (-0.94%)
2023	$10,390.00 (+11.16%)	$1,208,841 (+9.4%) Land $921,899 Building $286,942	$1,208,841 (+9.4%) Land $921,899 Building $286,942
2022	$9,347.00	$1,104,935 Land $838,091 Building $266,844	$1,104,935 Land $838,091 Building $266,844

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 307 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	746 units insured incl. 439 condo units
Nearby Flood Claims	53 (2005–2017)
Claims Outside the SFHA	5 of 53
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 50 claims Hurricane Wilma, Oct 2005 · 2 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 993 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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