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720 Emma St, Key West, FL 33040 Property Records

Monroe County property record for 720 Emma St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details1 bd · 2 ba · 907 sqft · built 1938
Lot Size0.028 acres (1,218 sqft)
Owner2 Individual Names on Record
Last Sale$1,275,000 (May 2026)
Tax Bill$4,932 (2025)
Deeds & MortgagesMay 2026 Sale
May 2023 Sale
Flood ZoneZone AE (high risk)
APN00013800-000200

Property Details

APN / Parcel Number

Primary APN00013800-000200
Alternative APNs
  • 01010100013800000200
  • 8761899

Interior

Bedrooms1 Bed
Full Baths2 Baths
Stories1 Story
Building Area907 sqft Living Area
1st Floor Area907 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1938
Effective Year BuiltEffective 2002
Exterior MaterialWood
Construction TypeWood
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area1,218 sqft (0.028 acres)
Lot Dimensions49 ft deep x 26 ft wide

Exterior Amenities

PorchFlorida Room
Porch Area165 sqft
Deck Area213 sqft
Patio Area213 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit

Location & Zoning

Account Number8761899
Street Address720 EMMA ST
CityKEY WEST
StateFL
Zip33040-7381
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeHNC-3
Legal DescriptionKW PT LOT 5 SQR 3 TR 3 (A/K/A PARCEL 2 & 1/3 INT IN COMMON AREA) G3-219 OR1118-1629/32 OR1229-1198/99F/J OR2964-1115D/C OR3225-0756
Legal Range25E
Legal Township68S
Legal Section06
Legal SubdivisionKEY WEST SQUARE 03 TR 03
Legal Tract3
Legal Lot Number5
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group1
Census Block1022
Census Tract972400

Owner

Source: Monroe County records, as of May 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2420 CORAL WAY, MIAMI, FL 33145-3410
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
May 22, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
May 15, 2023Personal Representative Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 22, 2026 · Amount on Record
Deed SaleMay 22, 2026 · Amount on Record
Prior SaleMay 15, 2023 · Amount on Record
Deed Document Number20262544520
Deed Book / Page3382 / 521
Prior Transfer DateMay 5, 2023
Prior Transfer Doc0032250756
Record UpdatedOct 29, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 22, 2026
Property Address720 EMMA ST, KEY WEST, FL 33040-7381
Document Number0002544520
Book / Page3382 / 521
Instrument DateMay 12, 2026
Instrument20262544520
Transaction TypeTransfer
Record UpdatedMay 29, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$901,425.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2420 CORAL WAY, MIAMI, FL 33145-3410

May 2023: Personal Representative Deed, Transfer

Document TypePersonal Representative Deed
JurisdictionMONROE FL
Recording DateMay 15, 2023
Property Address720 EMMA ST, KEY WEST, FL 33040-7381
Document Number0032250756
Book / Page3225 / 756
Map ReferenceMB I PG 77
Instrument DateMay 5, 2023
Instrument2417903
Transaction TypeTransfer
Record UpdatedJun 2, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$10,500.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address2601 S ROOSEVELT BLVD # BLVD106A, BLVD106A, KEY WEST, FL 33040-5117

Transferred To (Grantee/Buyer)

NameVerified Name
Address2211 MEDINA RD STE 100, 100, MEDINA, OH 44256-9627

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityKey West City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,932.00 (-1.71%)$531,091 (-4.59%) Land $400,990 Building $130,101$531,091 (-4.59%) Land $400,990 Building $130,101
2024$5,018.00 (-2.01%)
2023$5,121.00 (+49%)$556,633 (+44.28%) Land $438,358 Building $118,275$556,633 (+44.28%) Land $438,358 Building $118,275
2022$3,437.00$385,788 Land $265,889 Building $119,899$385,788 Land $265,889 Building $119,899

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation6.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 148 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies180 units insured
incl. 32 condo units
Nearby Flood Claims84 (1980–2022)
Claims Outside the SFHA41 of 84
Most Recent ClaimSep 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 RiskNot 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

ProviderMax 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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