422 Fleming St, Key West, FL 33040 Property Records

Monroe County property record for 422 Fleming St, Key West, FL 33040 · Last verified April 2026

Property Summary

Property Type	Commercial Office
Details	3,495 sqft · built 1943
Lot Size	0.114 acres (4,965 sqft)
Owner	Company Name on File
Last Sale	$840,000 (Jan 2005)
Tax Bill	$10,584 (2024)
Deeds & Mortgages	Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00009860-000000`

Property Details

APN / Parcel Number

Primary APN	`00009860-000000`
Alternative APNs	`01010100009860000000` `1010120`

Interior

Stories	2 Stories
Building Area	3,495 sqft Gross Area
1st Floor Area	3,495 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 2001
Exterior Material	Wood Siding
Construction Type	Wood
Fire Resistance	Fireproof Reinforced Concrete
Roof Material	Asphalt
Lot Area	4,965 sqft (0.114 acres)
Porch	Open Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit

Location & Zoning

Account Number	1010120
Street Address	422 FLEMING ST
City	KEY WEST
State	FL
Zip	33040-6529
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Description	KW PT LOT 2 SQR 51 G18-89 OR600-696 OR694-431/32 OR937-434/35 OR970-1285/86 OR1553-613/14 OR2079-975/76
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1000
Census Tract	972400

Owner

Source: Monroe County records · APN 00009860-000000

Assessment roll updated December 8, 2025 · Last verified April 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 File
Mailing Address	422 FLEMING ST, KEY WEST, FL 33040-6529
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 27, 2005 · Amount on Record
Deed Sale	Jan 27, 2005 · Amount on Record
Prior Sale	Dec 29, 1998 · Amount on Record
Deed Document Number	20051492918
Deed Book / Page	2079 / 975
Prior Transfer Date	Jan 13, 2005
Prior Transfer Doc	0020790975
Record Updated	Jun 08, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	422 FLEMING ST, KEY WEST, FL 33040-6529
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2222 N ROOSEVELT BLVD, KEY WEST, FL 33040-3834

Mortgage

Document Number	0032511080
Date	Nov 20, 2023
Book Page	3251/1080
Instrument	2440583

Lender

Name	GULF ATLANTIC BANK
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 17, 2028

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,681,696 (+8.03%) Land $1,549,080 Building $132,616	$1,681,696 (+8.03%) Land $1,549,080 Building $132,616
2024	$10,584.00 (+3.8%)
2023	$10,197.00 (+7.65%)	$1,556,646 (+3.73%) Land $1,419,990 Building $136,656	$1,556,646 (+3.73%) Land $1,419,990 Building $136,656
2022	$9,472.00	$1,500,733 Land $1,290,900 Building $209,833	$1,500,733 Land $1,290,900 Building $209,833

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879724001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 148 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	180 units insured 32 under condo master policies
Nearby Flood Claims	84 (1980–2022)
Claims Outside the SFHA	41 of 84
Most Recent Claim	Sep 2022, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 23 claims Hurricane Wilma, Oct 2005 · 30 claims Hurricane Georges, Sep 1998 · 18 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 334 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: T-Mobile USA, AT&T, Verizon, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.