508 Emma St, Key West, FL 33040 Property Records

Monroe County property record for 508 Emma St, Key West, FL 33040

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,863 sqft · built 1994
Lot Size	0.057 acres (2,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$16,629 (2024)
Deeds & Mortgages	Jul 2018 Line of Credit Jul 2018 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00010120-023002`

Property Details

APN / Parcel Number

Primary APN	`00010120-023002`
Alternative APNs	`01010100010120023002` `8861044`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,863 sqft Living Area
1st Floor Area	1,603 sqft
Flooring	Ceramic Tile
Interior Walls	Wood

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2016
Exterior Material	Combination
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft

Exterior Amenities

Pool Area	126 sqft
Porch	Open Porch
Porch Area	105 sqft
Patio Area	465 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	8861044
Street Address	508 EMMA ST
City	KEY WEST
State	FL
Zip	33040-8306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HPRD
Legal Description	KW PT LOT 3 SQR 52 (A/K/A S 1/2 LOT 123) .0573 AC OR1318-1831/47 OR1331-1003/5 OR1336-942/43 OR1350-681/82 OR1387-1973/74 OR1486-1016/20 OR1514-545/46C OR1544-965/68C OR2917-1887/89 OR2919-922/23
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KEY WEST SQUARE 52
Legal Lot Number	3,123
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	2
Census Block	2029
Census Tract	972500

Owner

508 Emma St is owned by two individuals who acquired it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 694, GULF BREEZE, FL 32562-0694
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
Jul 27, 2018	Deed of Trust, Mortgage · Line of Credit SYNOVUS BK
Jul 27, 2018	Grant Deed ATTORNEY ONLY
Jul 20, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2018
Deed Sale	Jul 27, 2018
Prior Sale	Jul 20, 2018 · Amount on File
Deed Document Number	20182179922
Deed Book / Page	2919 / 922
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	508 EMMA ST, KEY WEST, FL 33040-8306
Document Number	0029200581
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 694 GULF BREEZE FL 325620694, GULF BREEZE, FL 32562-0694
Investor	Possibly a Property Investor

Mortgage

Document Number	0029200581
Date	Aug 2, 2018
Book Page	002920/000581
Instrument	2180770

Lender

Name	SYNOVUS BK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Jul 27, 2018
Property Address	508 EMMA ST, KEY WEST, FL 33040-8306
Document Number	0029190922
Book / Page	002919 / 000922
Instrument Date	Jul 26, 2018
Instrument	2179922
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 694 GULF BREEZE FL 325620694, GULF BREEZE, FL 32562-0694

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 20, 2018
Property Address	508 EMMA ST, KEY WEST, FL 33040-8306
Document Number	0029171887
Book / Page	002917 / 001887
Instrument Date	Jul 11, 2018
Instrument	2178700
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$11,193.00
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	PO BOX 694 GULF BREEZE FL 325620694, GULF BREEZE, FL 32562-0694

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		$2,314,536 Land $1,640,000 Building $674,536	$2,314,536 Land $1,640,000 Building $674,536
2024	$16,629.00 (+13.9%)
2023	$14,600.00 (+9.27%)	$1,793,965 (+5.23%) Land $1,155,950 Building $638,015	$1,793,965 (+5.23%) Land $1,155,950 Building $638,015
2022	$13,361.00	$1,704,862 Land $1,059,875 Building $644,987	$1,704,862 Land $1,059,875 Building $644,987

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

Flood

FEMA maps place 508 Emma 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 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

The area around 508 Emma 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 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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