516 Fleming St, Key West, FL 33040 Property Records

Monroe County property record for 516 Fleming St, Key West, FL 33040

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2 ba · 1,768 sqft · built 1960
Lot Size	0.022 acres (966 sqft)
Owner	Company Name on Record
Last Sale	$1,354,280 (Aug 2022)
Tax Bill	$10,242 (2024)
Deeds & Mortgages	Aug 2022 Sale & Line of Credit Apr 2020 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00009530-000000`

Property Details

APN / Parcel Number

Primary APN	`00009530-000000`
Alternative APNs	`01010100009530000000` `1009784`

Interior

Full Baths	2 Baths
Units	3 Units
Stories	2 Stories
Building Area	1,768 sqft Gross Area
1st Floor Area	1,768 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Foundation Type	Slab (Mat/Raft)
Roof Material	Concrete
Lot Area	966 sqft (0.022 acres)
Lot Dimensions	37 ft deep x 25 ft wide
Porch	Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit

Location & Zoning

Account Number	1009784
Street Address	516 FLEMING ST
City	KEY WEST
State	FL
Zip	33040-6882
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	HRCC1
Legal Description	KW PT LOT 3 SQR 50 G64-388/89 OR1239-411/12 OR1243-1268/69C OR1336-1907/08 OR1336-1909/10Q/C OR1341-1/2R/S OR1632-907D/C OR1872-2189/2191 0R2306-1005/06 OR3016-1371 OR3189-1311
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	ISLAND OF KEY WEST
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	3
Census Block	3005
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 (Boundary Increase) listed 1983 · 2,494 contributing resources · NRIS 83001430

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 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	516 FLEMING ST, KEY WEST, FL 33040-6882
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Warranty Deed, Transfer · Line of Credit CENTENNIAL BANK
Apr 1, 2020	Warranty Deed, Transfer · Line of Credit FIRST HORIZON BANK
Jul 26, 2017	Trustee's Deed, Construction Loan · Construction Mortgage NEW MOON PROPERTY MGMT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2022 · Amount on Record
Deed Sale	Aug 16, 2022 · Amount on Record
Prior Sale	Apr 1, 2020 · Amount on Record
Deed Document Number	20222387851
Deed Book / Page	3189 / 1311
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 16, 2022
Property Address	516 FLEMING ST, KEY WEST, FL 33040-6882
Document Number	0031891311
Book / Page	3189 / 1311
Instrument Date	Aug 1, 2022
Instrument	2387851
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,480.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	702 COMMERCIAL ST # ST3A, 702, EMPORIA, KS 66801-3091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 FLEMING ST, KEY WEST, FL 33040-6882

Mortgage

Document Number	0031891313
Date	Aug 16, 2022
Instrument	3189/1313

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2032

Interest

Rate Type	Adjustable Rate

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 1, 2020
Property Address	516 FLEMING ST, KEY WEST, FL 33040-6882
Document Number	0030161371
Book / Page	3016 / 1371
Instrument Date	Mar 31, 2020
Instrument	2262114
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	516 FLEMING ST, 516, KEY WEST, FL 33040-6882

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 COMMERCIAL ST STE 3A, 3A, EMPORIA, KS 66801-3094

Mortgage

Document Number	0030161375
Date	Apr 1, 2020
Instrument	3016/1375

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 27, 2030

Interest

Rate Type	Adjustable Rate

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE FL
Recording Date	Jul 26, 2017
Property Address	516 FLEMING ST, KEY WEST, FL 33040-6882
Document Number	0028660814
Book / Page	002866 / 000814
Instrument Date	Jul 24, 2017
Instrument	2132840
Transaction Type	Construction Loan
Record Updated	Aug 11, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	516 FLEMING ST KEY WEST FL 330406882, KEY WEST, FL 33040-6882

Mortgage

Document Number	28660814
Date	Jul 26, 2017
Book Page	002866/000814
Instrument	2132840

Lender

Name	NEW MOON PROPERTY MGMT LLC
Address	KEY WEST, FL 33040

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 25, 2018

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		$1,286,321 (+15.99%) Land $932,866 Building $353,455	$1,286,321 (+15.99%) Land $932,866 Building $353,455
2024	$10,242.00 (-0.79%)
2023	$10,324.00 (-1.08%)	$1,108,965 (-8.41%) Land $936,054 Building $172,911	$1,108,965 (-8.41%) Land $936,054 Building $172,911
2022	$10,437.00	$1,210,856 Land $963,585 Building $247,271	$1,210,856 Land $963,585 Building $247,271

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 285 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	328 units insured incl. 43 condo units
Nearby Flood Claims	89 (1980–2025)
Claims Outside the SFHA	43 of 89
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 23 claims Hurricane Wilma, Oct 2005 · 8 claims Hurricane Georges, Sep 1998 · 25 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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