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726 Emma St, Key West, FL 33040 Property Records

Monroe County property record for 726 Emma St, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,000 sqft · built 1938
Lot Size0.04 acres (1,747 sqft)
Owner2 Individual Names on File
Last Sale$1,275,000 (May 2026)
Tax Bill$6,405 (2025)
Deeds & MortgagesMay 2026 Sale
May 2023 Sale
Flood ZoneZone AE (high risk)
APN00013800-000100

Property Details

APN / Parcel Number

Primary APN00013800-000100
Alternative APNs
  • 01010100013800000100
  • 8761881

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,000 sqft Living Area
1st Floor Area1,000 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1938
Effective Year BuiltEffective 2000
Exterior MaterialWood
Construction TypeWood
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area1,747 sqft (0.04 acres)

Exterior Amenities

PorchOpen Porch
Porch Area220 sqft
Deck Area743 sqft
Patio Area743 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit

Location & Zoning

Account Number8761881
Street Address726 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 1 & 1/3 INT IN COMMON AREA) G3-219 OR1118-1629/32 OR1229-1198/99FJ 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

726 Emma St is owned by two individuals who bought it in May 2026.

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

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

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

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 File
Deed SaleMay 22, 2026 · Amount on File
Prior SaleMay 15, 2023 · Amount on File
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 Address726 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 on Record
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 Address726 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 on Record
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

The 2025 property tax bill for 726 Emma St was $6,405, down 2.5% from the year before.

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$6,405.00 (-2.45%)$710,144 Land $526,406 Building $183,738$710,144 Land $526,406 Building $183,738
2024$6,566.00 (-1.88%)
2023$6,692.00 (+49.18%)$744,574 (+43.69%) Land $575,462 Building $169,112$744,574 (+43.69%) Land $575,462 Building $169,112
2022$4,486.00$518,163 Land $349,051 Building $169,112$518,163 Land $349,051 Building $169,112

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

Flood

FEMA maps place 726 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 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 File
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

The area around 726 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 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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