406 Fleming St, Key West, FL 33040 Property Records

Monroe County property record for 406 Fleming St, Key West, FL 33040

Property Summary

Property Type	Multi-Family Dwellings
Details	3 bd · 2 ba · 800 sqft · built 1929
Lot Size	0.041 acres (1,810 sqft)
Owner	Company Name on Record
Last Sale	$470,000 (Aug 2003)
Tax Bill	$5,873 (2024)
Deeds & Mortgages	Feb 2024 Sale Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00009920-000100`

Property Details

APN / Parcel Number

Primary APN	`00009920-000100`
Alternative APN	`8929419`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	800 sqft Total Area
1st Floor Area	800 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1929
Effective Year Built	Effective 2005
Exterior Material	Wood
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,810 sqft (0.041 acres)
Lot Dimensions	50 ft deep x 36 ft wide
Porch	Open Porch
Porch Area	60 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	8929419
Street Address	406 FLEMING ST
City	KEY WEST
State	FL
Zip	33040-6529
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	KW PT LOT 3 SQR 51 (A/K/A LOT A) OR1532-226/234 RES NO 98-300 OR1601-1235 OR1601-1236 OR1768-2044 OR1805-2252 OR1888-2146
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 51
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1001
Census Tract	972400

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 records, as of December 5, 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 Record
Mailing Address	PO BOX 465, POINT LOOKOUT, NY 11569-0465
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2024	Quit Claim Deed, Transfer Quitclaim
Dec 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage APPROVED FUNDING CORP
Oct 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage APPROVED FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2003 · Amount on Record
Deed Sale	Aug 7, 2003 · Amount on Record
Prior Sale	Aug 7, 2003 · Amount on Record
Deed Document Number	0019170313
Last Transfer Date	Feb 1, 2024
Transfer Doc	0032602297
Record Updated	Jun 8, 2026

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Feb 1, 2024
Property Address	406 FLEMING ST, KEY WEST, FL 33040-6529
Document Number	0032602297
Book / Page	3260 / 2297
Instrument Date	Jan 24, 2024
Instrument	2449714
Transaction Type	Transfer
Record Updated	Mar 4, 2024

Transaction

Amount	Amount Recorded
Tax	$3,537.80
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 465, POINT LOOKOUT, NY 11569-0465

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 465, POINT LOOKOUT, NY 11569-0465

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	406 FLEMING ST, KEY WEST, FL 33040-6529
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 GLENWOOD AVE, POINT LOOKOUT, NY 11569-3006

Mortgage

Document Number	0031420604
Date	Dec 9, 2021
Book Page	3142/604
Instrument	2352104

Lender

Name	APPROVED FUNDING CORP
Type	Mortgage Company
Address	RIVER EDGE, NJ 07661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	406 FLEMING ST, KEY WEST, FL 33040-6529
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029321626
Date	Oct 22, 2018
Book Page	2932/1626
Instrument	2191449

Lender

Name	APPROVED FUNDING CORP
Type	Mortgage Company
Address	RIVER EDGE, NJ 07661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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		$768,931 (+7.63%) Land $620,323 Building $148,608	$768,931 (+7.63%) Land $620,323 Building $148,608
2024	$5,873.00 (+6.36%)
2023	$5,522.00 (+14.37%)	$714,409 (+23.21%) Land $570,150 Building $144,259	$714,409 (+23.21%) Land $570,150 Building $144,259
2022	$4,828.00	$579,817 Land $431,794 Building $148,023	$579,817 Land $431,794 Building $148,023

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	180 units insured incl. 32 condo units
Nearby Flood Claims	84 (1980–2022)
Claims Outside the SFHA	41 of 84
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 23 claims Hurricane Wilma, Oct 2005 · 30 claims Hurricane Georges, Sep 1998 · 18 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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