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Single Family ResidenceResidential
$3,798,955$1,536 / 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 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026

809 FLEMING ST

KEY WEST, FL 33040
4
Beds
3
Baths
2,474 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.
4,180 ft²
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$3.8M
$3.3M low$4.3M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$2,768,955
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$2,215,164
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.27%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$830,000
AMERICA'S WHOLESALE LENDER · recorded Mar 31, 2005
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$200,000
WELLS FARGO BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,462 (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.$790,123 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$767,856
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,848,576

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.25 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.96%
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.2017
Lot (acres)The size of the land the home sits on, from county records.0.10
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 · 1,809 ft²Porch · 648 ft²Water feature

Transaction History(3)

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 · 0.8 mi
H
Key West High SchoolC-
High · Grades 9–12 · 1.4 mi
E
Gerald Adams Elementary SchoolC-
Elementary · Grades PK–5 · 3.7 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

809 Fleming 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 97% of homes in Key West 33040
  • Costs more per square foot than 92% of homes in Key West 33040
  • Bigger than 91% of homes in Key West 33040
  • Has a smaller lot than 81% of homes in Monroe County
  • Older than 94% 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
$396K$4.3M

This home is worth more than 97% 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$3,798,955
CheaperTypical $1,002,159Pricier

Pricier than 97% of homes nearby

Price per ft²$1536
CheaperTypical $784Pricier

Pricier than 92% of homes nearby

Living area2,474 ft²
SmallerTypical 1,280 ft²Bigger

Bigger than 91% of homes nearby

Lot size4,180 ft²
SmallerTypical 0.12 acBigger

Bigger than 36% of homes nearby

Year built1945
OlderTypical 1973Newer

Newer than 21% of homes nearby

How 809 Fleming St ranks against every home in each area.
MeasureThis homeKey West 33040Monroe County
Estimated valuepricier than$3,798,95597% of homes95% of homes
Price per ft²pricier than$153692% of homes92% of homes
Living areabigger than2,474 ft²91% of homes88% of homes
Lot sizebigger than4,180 ft²36% of homes19% of homes
Year builtnewer than194521% of homes6% of homes

About 809 Fleming St

How much is 809 Fleming St, Key West, FL worth?

The TopHap Estimate for 809 Fleming St, Key West, FL is $3,798,955 as of Jun 23, 2026. The likely range is $3,305,090 to $4,292,819. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 809 Fleming St, Key West, FL last sell?

809 Fleming St, Key West, FL last sold on Sep 1, 2018, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 809 Fleming St, Key West, FL?

809 Fleming St, Key West, FL has 4 bedrooms, 3 bathrooms, 2,474 square feet of living space and a 0.10-acre lot.

When was 809 Fleming St, Key West, FL built?

809 Fleming St, Key West, FL was built in 1945, making it 81 years old. The building has 2 stories.

What schools serve 809 Fleming St, Key West, FL?

809 Fleming 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 809 Fleming St, Key West, FL compare to other homes in Key West 33040?

Among the 11,959 homes in Key West 33040, it is worth more than 97% of them ($3,798,955 against a typical $1,002,159), its price per square foot is higher than 92% of them ($1536 against a typical $784), it is bigger than 91% of them (2,474 ft² against a typical 1,280 ft²), its lot is bigger than 36% of them (4,180 ft² against a typical 0.12 ac) and it is newer than 21% of them (1945 against a typical 1973). Measured against all of Monroe County, it is worth more than 95% 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 809 Fleming St, Key West, FL?

The 2024 property tax bill for 809 Fleming St, Key West, FL was $6,462. The county assessed it at $790,123.

Closest homes

More homes in Key West 33040

Assigned schools

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