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Single Family ResidenceResidential
$548,045$456 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

313 CROSS ST

KEY WEST, FL 33040
3
Beds
1
Baths
1,202 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1964
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$548K
$502K low$594K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,757 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$504,550 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$365,625
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$138,925
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$501,919
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$504,550

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.40 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.100%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMonroe
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1978
Lot (acres)The size of the land the home sits on, from county records.0.13
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 220 ft²Patio · 319 ft²Porch · 84 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Gerald Adams Elementary SchoolC-
Elementary · Grades PK–5 · 0.8 mi
H
Key West High SchoolC-
High · Grades 9–12 · 2.3 mi
M
Horace O'Bryant SchoolD+
Middle · Grades PK–8 · 2.8 mi

District: Monroe County School District

Neighborhood · ZIP 33040These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.102
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.1

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.31,854
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.222 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$86,370
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$116,488
Average tempThe average temperature here across a full year.78°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.76%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

313 Cross St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 88% of homes in Monroe County
  • Costs less per square foot than 94% of homes in Key West 33040
  • Has a smaller lot than 66% of homes in Monroe County
  • Older than 82% of homes in Monroe County

What homes are worth in Key West 33040

Each bar is how many homes fall in that price range. The marker is this home.

This home
$381K$4.1M

This home is worth more than 14% of homes in Key West 33040.

How it measures up in Key West 33040

The dot is this home. The mark in the middle is the typical home in Key West 33040.

Estimated value$548,045
CheaperTypical $980,583Pricier

Pricier than 14% of homes nearby

Price per ft²$456
CheaperTypical $775Pricier

Pricier than 6% of homes nearby

Living area1,202 ft²
SmallerTypical 1,288 ft²Bigger

Bigger than 43% of homes nearby

Lot size0.13 ac
SmallerTypical 0.12 acBigger

Bigger than 56% of homes nearby

Year built1964
OlderTypical 1972Newer

Newer than 41% of homes nearby

How 313 Cross St ranks against every home in each area.
MeasureThis homeKey West 33040Monroe County
Estimated valuepricier than$548,04514% of homes12% of homes
Price per ft²pricier than$4566% of homes10% of homes
Living areabigger than1,202 ft²43% of homes39% of homes
Lot sizebigger than0.13 ac56% of homes34% of homes
Year builtnewer than196441% of homes18% of homes

About 313 Cross St

How much is 313 Cross St, Key West, FL worth?

The TopHap Estimate for 313 Cross St, Key West, FL is $548,045 as of Sep 24, 2026. The likely range is $501,793 to $594,297. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 313 Cross St, Key West, FL last sell?

313 Cross St, Key West, FL last sold on May 1, 2022, according to the county's recorded deed.

How big is 313 Cross St, Key West, FL?

313 Cross St, Key West, FL has 3 bedrooms, 1 bathrooms, 1,202 square feet of living space and a 0.13-acre lot.

When was 313 Cross St, Key West, FL built?

313 Cross St, Key West, FL was built in 1964, making it 62 years old. The building has 1 story.

What schools serve 313 Cross St, Key West, FL?

313 Cross St, Key West, FL is assigned to Gerald Adams Elementary School (elementary), rated C-; Key West High School (high), rated C-; Horace O'Bryant School (middle), rated D+. All sit in Monroe County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 313 Cross St, Key West, FL compare to other homes in Key West 33040?

Among the 11,961 homes in Key West 33040, it is worth more than 14% of them ($548,045 against a typical $980,583), its price per square foot is higher than 6% of them ($456 against a typical $775), it is bigger than 43% of them (1,202 ft² against a typical 1,288 ft²), its lot is bigger than 56% of them (0.13 ac against a typical 0.12 ac) and it is newer than 41% of them (1964 against a typical 1972). Measured against all of Monroe County, it is worth more than 12% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 313 Cross St, Key West, FL?

The 2024 property tax bill for 313 Cross St, Key West, FL was $4,757. The county assessed it at $504,550.

More homes on Cross St

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Assigned schools

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