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Single Family ResidenceResidential
$2,708,372$1,524 / 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 84How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $2,950,000 on Jul 22, 2024

520 EMMA ST

KEY WEST, FL 33040
3
Beds
3
Baths
1,777 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.
3,444 ft²
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$2.7M
$2.3M low$3.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$2,950,000 · Jul 22, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$19,263 (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.$2,307,112 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,618,680
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$688,432
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$2,379,674
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,307,112

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.17 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.94%
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.0.2 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.2013
Lot (acres)The size of the land the home sits on, from county records.0.08
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pile
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 426 ft²Porch · 756 ft²

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

M
Horace O'Bryant SchoolD+
Middle · Grades PK–8 · 1.2 mi
H
Key West High SchoolC-
High · Grades 9–12 · 1.8 mi
E
Gerald Adams Elementary SchoolC-
Elementary · Grades PK–5 · 4.2 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%

Owner Tools

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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

520 Emma 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 more than 93% of homes in Key West 33040
  • Costs more per square foot than 93% of homes in Key West 33040
  • Bigger than 77% of homes in Key West 33040
  • Has a smaller lot than 87% of homes in Monroe County
  • Newer than 77% of homes in Key West 33040

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
$375K$4.3M

This home is worth more than 93% 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$2,708,372
CheaperTypical $982,324Pricier

Pricier than 93% of homes nearby

Price per ft²$1524
CheaperTypical $776Pricier

Pricier than 93% of homes nearby

Living area1,777 ft²
SmallerTypical 1,287 ft²Bigger

Bigger than 77% of homes nearby

Lot size3,444 ft²
SmallerTypical 0.12 acBigger

Bigger than 29% of homes nearby

Year built1995
OlderTypical 1973Newer

Newer than 77% of homes nearby

How 520 Emma St ranks against every home in each area.
MeasureThis homeKey West 33040Monroe County
Estimated valuepricier than$2,708,37293% of homes88% of homes
Price per ft²pricier than$152493% of homes91% of homes
Living areabigger than1,777 ft²77% of homes72% of homes
Lot sizebigger than3,444 ft²29% of homes13% of homes
Year builtnewer than199577% of homes74% of homes

About 520 Emma St

How much is 520 Emma St, Key West, FL worth?

The TopHap Estimate for 520 Emma St, Key West, FL is $2,708,372 as of Aug 30, 2026. The likely range is $2,279,542 to $3,137,202. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 520 Emma St, Key West, FL last sell?

520 Emma St, Key West, FL last sold on Jul 22, 2024 for $2,950,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 520 Emma St, Key West, FL?

520 Emma St, Key West, FL has 3 bedrooms, 3 bathrooms, 1,777 square feet of living space and a 0.08-acre lot.

When was 520 Emma St, Key West, FL built?

520 Emma St, Key West, FL was built in 1995, making it 31 years old. The building has 2 stories.

What schools serve 520 Emma St, Key West, FL?

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

How does 520 Emma St, Key West, FL compare to other homes in Key West 33040?

Among the 11,960 homes in Key West 33040, it is worth more than 93% of them ($2,708,372 against a typical $982,324), its price per square foot is higher than 93% of them ($1524 against a typical $776), it is bigger than 77% of them (1,777 ft² against a typical 1,287 ft²), its lot is bigger than 29% of them (3,444 ft² against a typical 0.12 ac) and it is newer than 77% of them (1995 against a typical 1973). Measured against all of Monroe County, it is worth more than 88% 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 520 Emma St, Key West, FL?

The 2024 property tax bill for 520 Emma St, Key West, FL was $19,263. The county assessed it at $2,307,112.

More homes on Emma St

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