908 Emma St, Key West, FL 33040 Property Records

Monroe County property record for 908 Emma St, Key West, FL 33040

Property Summary

Property Type	Multi-Family Dwellings
Details	1 bd · 1 ba · 828 sqft · built 1943
Lot Size	0.105 acres (4,608 sqft)
Owner	Individual Name on File
Last Sale	$1,400,000 (Feb 2024)
Tax Bill	$11,400 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2024 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00015360-000000`

Property Details

APN / Parcel Number

Primary APN	`00015360-000000`
Alternative APN	`1015733`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Units	3 Units
Stories	1 Story
Building Area	828 sqft Total Area
1st Floor Area	1,848 sqft
Interior Walls	Masonry

Exterior

Year Built	Built 1943
Effective Year Built	Effective 2002
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,608 sqft (0.105 acres)

Exterior Amenities

Pool Area	72 sqft
Porch	Open Porch
Porch Area	182 sqft
Fence	Fence
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1015733
Street Address	908 EMMA ST
City	KEY WEST
State	FL
Zip	33040-7347
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	KW PT LOT 7 (E-72) OF PT TR 3 H2-164 OR283-499 OR939-1189 OR993-1630 OR3242-1512 OR3244-372 OR3264-0523
Legal Range	25E
Legal Township	68S
Legal Section	06
Legal Subdivision	KW SUB
Legal Tract	3
Legal Lot Number	7
Jurisdiction	MONROE FL
Township / Civil Division	KEY WEST
Census Block Group	1
Census Block	1024
Census Tract	972400

Owner

908 Emma St, a residential property, is owned by an individual who bought it in February 2024.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Mailing Address	529 BAHAMA ST, KEY WEST, FL 33040-6883
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
Nov 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage COAST2COAST MORTGAGE LLC
Feb 28, 2024	Warranty Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORP
Mar 23, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 23, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2024 · Amount on File
Deed Sale	Feb 28, 2024 · Amount on File
Deed Document Number	2452657
Deed Book / Page	3264 / 523
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	908 EMMA ST, KEY WEST, FL 33040-7347
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 EMMA ST, KEY WEST, FL 33040-7347

Mortgage

Document Number	0033532242
Date	Nov 18, 2025
Book Page	3353/2242
Instrument	2522440

Lender

Name	COAST2COAST MORTGAGE LLC
Type	Mortgage Company
Address	SAINT AUGUSTINE, FL 32084

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 28, 2024
Property Address	908 EMMA ST, KEY WEST, FL 33040-7347
Document Number	0032640523
Book / Page	3264 / 523
Instrument Date	Feb 26, 2024
Instrument	2452657
Transaction Type	Transfer
Record Updated	Mar 28, 2024

Transaction

Amount	Amount on Record
Tax	$9,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 VASSAR ST, PHILADELPHIA, PA 19128-3718

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	529 BAHAMA ST, KEY WEST, FL 33040-6883

Mortgage

Document Number	0002452658
Date	Feb 28, 2024
Instrument	2452658

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Mortgage

Document Number	0032640526
Date	Feb 28, 2024
Book Page	3264/526
Instrument	2452658

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company
Address	1936 E DEERE AVE STE 200, SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	908 EMMA ST, KEY WEST, FL 33040-7347
Document Number	0028482461
Instrument Date	Mar 23, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 EMMA ST KEY WEST FL 330407347, KEY WEST, FL 33040-7347

Mortgage

Document Number	0028482461
Date	Apr 13, 2017
Book Page	002848/002461
Instrument	2118660

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	876 Months
Due	Apr 12, 2090

Interest

Rate Type	Adjustable Rate
Rate	4.34%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	908 EMMA ST, KEY WEST, FL 33040-7347
Document Number	0028482444
Instrument Date	Mar 23, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 EMMA ST KEY WEST FL 330407347, KEY WEST, FL 33040-7347

Mortgage

Document Number	0028482444
Date	Apr 13, 2017
Book Page	002848/002444
Instrument	2118659

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	876 Months
Due	Apr 12, 2090

Interest

Rate Type	Adjustable Rate
Rate	4.34%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$1,306,144 Land $998,627 Building $307,517	$1,306,144 Land $998,627 Building $307,517
2024	$11,400.00 (+80.24%)
2023	$6,325.00 (+17.17%) Homeowner's exemption	$760,720 (+35.63%)	$1,187,808 (+43.09%) Land $915,408 Building $272,400
2022	$5,398.00 Homeowner's exemption	$560,861	$830,114 Land $554,793 Building $275,321

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 908 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	7.0 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	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 908 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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