Monroe County property record for 803 Emma St, Key West, FL 33040
| Property Type | Clubs, Lodges, Professional Associations |
|---|---|
| Details | 2 ba · 5,179 sqft · built 1943 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $363 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00014650-000000 |
| Primary APN | 00014650-000000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 5,179 sqft Total Area |
| 1st Floor Area | 5,179 sqft |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Other |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 6,500 sqft (0.149 acres) |
| Lot Dimensions | 100 ft deep x 65 ft wide |
| Account Number | 1015032 |
|---|---|
| Old Parcel Number | 01010100014650000000 |
| Street Address | 803 EMMA ST |
| City | KEY WEST |
| State | FL |
| Zip | 33040-7344 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Clubs, Lodges, Professional Associations |
| Legal Description | KW PT LOTS 1-5 SQR 2 TR 3 G52-100/01 G66-440/41 |
| Legal Range | 25E |
| Legal Township | 68S |
| Legal Section | 06 |
| Legal Subdivision | KEY WEST SQUARE 02 TR 03 |
| Legal Tract | 3 |
| Legal Lot Number | 1-5 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | KEY WEST |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 972400 |
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.
803 Emma St, a commercial property, is owner-occupied and held in a trust.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | PO BOX 903, KEY WEST, FL 33041-0903 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Key West City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,031,103 Land $1,540,500 Building $490,603 | $2,031,103 Land $1,540,500 Building $490,603 | |
| 2024 | $363.00 (+2.83%) | ||
| 2023 | $353.00 (+2.92%) Homeowner's exemption | $1,889,971 (-1.21%) Land $1,412,125 Building $477,846 | $1,889,971 (-1.21%) Land $1,412,125 Building $477,846 |
| 2022 | $343.00 Homeowner's exemption | $1,913,093 Land $1,412,125 Building $500,968 | $1,913,093 Land $1,412,125 Building $500,968 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 803 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 148 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 180 units insured incl. 32 condo units |
| Nearby Flood Claims | 84 (1980–2022) |
| Claims Outside the SFHA | 41 of 84 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
The area around 803 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.
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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