Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$953,374$461 / 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 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $174,900 on Apr 1, 1989

98 BAY DR

KEY WEST, FL 33040
3
Beds
1
Baths
2,070 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$953K
$816K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$174,900 · Apr 1, 1989

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,724 (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.$308,352 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$299,662
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,161,328

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.80 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.2006
Lot (acres)The size of the land the home sits on, from county records.0.20
ConstructionThe main material the home's frame and walls are built from.Concrete
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
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.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 · 600 ft²Patio · 600 ft²Porch · 240 ft²

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

E
Sugarloaf SchoolB-
Elementary · Grades PK–8 · 5.0 mi
H
Key West High SchoolC
High · Grades 9–12 · 12.3 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

Do you own this home?
Claim this home

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

98 Bay Dr 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.

  • Costs less per square foot than 93% of homes in Key West 33040
  • Bigger than 85% of homes in Key West 33040
  • Has a bigger lot than 76% of homes in Key West 33040
  • Older than 86% 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
$380K$4.1M

This home is worth more than 49% 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$953,374
CheaperTypical $961,604Pricier

Pricier than 49% of homes nearby

Price per ft²$461
CheaperTypical $761Pricier

Pricier than 7% of homes nearby

Living area2,070 ft²
SmallerTypical 1,287 ft²Bigger

Bigger than 85% of homes nearby

Lot size0.2 ac
SmallerTypical 0.12 acBigger

Bigger than 76% of homes nearby

Year built1960
OlderTypical 1973Newer

Newer than 36% of homes nearby

How 98 Bay Dr ranks against every home in each area.
MeasureThis homeKey West 33040Monroe County
Estimated valuepricier than$953,37449% of homes47% of homes
Price per ft²pricier than$4617% of homes11% of homes
Living areabigger than2,070 ft²85% of homes80% of homes
Lot sizebigger than0.2 ac76% of homes61% of homes
Year builtnewer than196036% of homes14% of homes

About 98 Bay Dr

How much is 98 Bay Dr, Key West, FL worth?

The TopHap Estimate for 98 Bay Dr, Key West, FL is $953,374 as of Oct 21, 2026. The likely range is $815,729 to $1,091,019. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 98 Bay Dr, Key West, FL last sell?

98 Bay Dr, Key West, FL last sold on Apr 1, 1989 for $174,900, according to the county's recorded deed.

How big is 98 Bay Dr, Key West, FL?

98 Bay Dr, Key West, FL has 3 bedrooms, 1 bathrooms, 2,070 square feet of living space and a 0.20-acre lot.

When was 98 Bay Dr, Key West, FL built?

98 Bay Dr, Key West, FL was built in 1960, making it 66 years old. The building has 1 story.

What schools serve 98 Bay Dr, Key West, FL?

98 Bay Dr, Key West, FL is assigned to Sugarloaf School (elementary), rated B-; Key West High School (high), rated C. All sit in Monroe County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 98 Bay Dr, Key West, FL compare to other homes in Key West 33040?

Among the 11,988 homes in Key West 33040, it is worth more than 49% of them ($953,374 against a typical $961,604), its price per square foot is higher than 7% of them ($461 against a typical $761), it is bigger than 85% of them (2,070 ft² against a typical 1,287 ft²), its lot is bigger than 76% of them (0.2 ac against a typical 0.12 ac) and it is newer than 36% of them (1960 against a typical 1973). Measured against all of Monroe County, it is worth more than 47% 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 98 Bay Dr, Key West, FL?

The 2024 property tax bill for 98 Bay Dr, Key West, FL was $2,724. The county assessed it at $308,352.

More homes on Bay Dr

Closest homes

More homes in Key West 33040

Assigned schools

Explore the area

See this home in context

Open 98 Bay Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map