For sale

$3,600,000

Est. $27,799/mo —

•

1,920

sq ft

514 Emma St, Key West, FL 33040

About this home

514 Emma is a wonderful single-family home located in Truman Annex. The first floor features a large, updated chef's kitchen with double wall ovens, double refrigerator/freezers and a large island. There is a guest bedroom, and a full bathroom as well as a dining area. French doors in the living area, open to the large rear porch and pool. There is a carport on the rear of the property, PLUS a second deeded carport just across the street. The second floor has a spacious primary en-suite with a private covered porch, plus two guest bedrooms with shared covered porch and full bath. Home features a propane generator. The property is a successful rental property. Video Tour: https://show. tours/zd4yyTKj

Single-familyProperty Type

1997Year Built

4,141 sq ftLot Size

$1,875Price/Sq.Ft.

$482/moHOA Dues

Listed by The Behmke The Behmke Group • Keller Williams Key West Compass Realty

Listing updated: Aug 28, 2026 at 05:37pm

Redfin checked: a few seconds ago

•Source:FLKMLS #621135

Payment calculator

$27,799 per month

Principal and interest$20,137

Property taxes

HOA dues

Home insurance

Utilities

5 minutes to get started. No credit impact.

Affordability tools

See this home in person

We'll connect you with a local agent to show you this home, answer your questions, and assist you on your buying journey.

Next available tour time: Today

Open houses

No upcoming open houses.

Nearby open houses (10)

OPEN SAT, 10AM TO 12PM3D WALKTHROUGH
$1,999,999
3 beds2 baths1,665 sq ft
1119 Whitehead St, Key West, FL 33040
OPEN SAT, 11AM TO 1PM
$789,000
2 beds2 baths548 sq ft
1422 Catherine St, Key West, FL 33040
OPEN SAT, 11AM TO 1PM
$3,495,000
4 beds4.5 baths2,250 sq ft
710 Caroline St, Key West, FL 33040
OPEN SAT, 11AM TO 1PM3D WALKTHROUGH
$2,499,000
3 beds3 baths2,502 sq ft
1511 17th Ter, Key West, FL 33040
OPEN SAT, 11:30AM TO 1:30PM
$1,385,000
3 beds2 baths1,558 sq ft
2313 Fogarty Ave, Key West, FL 33040
OPEN SAT, 12PM TO 2PM
$2,475,000
3 beds2 baths1,750 sq ft
1212 Olivia St, Key West, FL 33040
OPEN SUN TO 2PM3D WALKTHROUGH
$5,400,000
6 beds6.5 baths2,993 sq ft
613 Margaret St, Key West, FL 33040
OPEN SUN TO 2PM3D WALKTHROUGH
$3,600,000
4 beds4 baths2,691 sq ft
119 Simonton St, Key West, FL 33040
OPEN SUN, 10AM TO 12PM3D WALKTHROUGH
$2,399,000
3 beds3.5 baths2,149 sq ft
3206 Riviera Dr, Key West, FL 33040
OPEN SUN, 12PM TO 2PM
$2,599,000
3 beds2 baths1,204 sq ft
812 Carsten Ln, Key West, FL 33040

Around this home

Schools

K - 12
Preschool & daycare

Horace O'bryant School

Public PreK-8 • Assigned • 1.2mi

3/10

Key West High School

Public 9-12 • Assigned • 1.8mi

4/10

Provided by GreatSchools

About Truman

Annex

Truman Annex, located between Mallory Square and Fort Zachary Taylor Historic State Park, is a waterfront and historic Key West neighborhood with a gated residential layout and marina-front promenades. The character concentrates along Southard Street by the Truman Waterfront Park entrance, where joggers, dog-walkers, and sunset-watchers stream past palms and harbor views. Restored Conch-style cottages and newer coastal townhomes sit behind tidy lanes and pocket greens. The Key West Amphitheater anchors the calendar with open-air concerts and community events. Waterfront paths trace the edge of the harbor toward the cruise piers and the old Navy Yard footprint. Evenings lean quiet, with the sea breeze and the glow from Mallory Square nearby.

Provided by Walk Score and Local Logic

Offer insights

514 Emma St · $3,600,000

Strong offer

$3.56M and above

75% chance or better to win

Why $3.56M+ is a strong offer

DAYS ON MARKET

The average home goes pending in 148 days.

SALE-TO-LIST

Most homes are selling 6% below list price.

About offer insights

Property details

Interior
Exterior
Finance

Kitchen

Bathroom

Bedroom

Living

Dining

Interior features
Aluminum-framed windows
Unfurnished
Wine cooler
Stainless steel appliances

Bathrooms
3 full bathrooms

Kitchen
Dishwasher
Refrigerator
Oven
Microwave
Freezer
Wine cooler
Stainless steel appliances

Laundry & utility
Washer
Dryer

Flooring
Wood
Carpet
Other

Heating & cooling
Central air
Ceiling fans

Sale and tax history for 514 Emma St

Sale History
Tax History

Date

Event

Price

FLKMLS #621135

Aug 28, 2026

Listed

$3,600,000

$1,875/sq ft

FLKMLS #618024

Jul 7, 2026

Listing Removed

—

Jan 9, 2026

Listed

$3,600,000

$1,875/sq ft

FLKMLS #574295

Apr 27, 2017

Sold

$2,670,000

$1,391/sq ft

Feb 13, 2017

Listed

$2,695,000

$1,404/sq ft

This beautifully finished and decorated four bedroom, three bath home has classic Key West architecture and is located on a tree lined street in Truman Annex with shopping, restaurants and beaches nearby. The custom designed two story home has an open floor plan on the main level with separate living and dining areas. Plus a full bath and guest bedroom. The huge porch, perfect for entertaining overlooks the large rear yard with pool and is accessed from the living area through two sets of French doors. Upstairs the spacious master suite opens to a private porch and the two guest rooms share a bath and porch. The home is licensed for transient rentals. Although not currently active, it can be activated with the City.

FLKMLS #113392

Sep 19, 2011

Sold

$1,550,000

$807/sq ft

Aug 9, 2010

Listed

$1,895,000

$987/sq ft

FLKMLS #105212

Apr 30, 2008

Listing Removed

—

Mar 8, 2007

Listed

$2,395,000

$1,247/sq ft

FLKMLS #93328

Jul 23, 2004

Sold

$2,025,000

$1,055/sq ft

Apr 13, 2004

Listed

$2,130,000

$1,109/sq ft

FLKMLS #521474

Jul 23, 2004

Sold

$2,025,000

$1,055/sq ft

Apr 13, 2004

Listed

$2,130,000

$1,109/sq ft

Public Records

Sep 18, 1997

Sold

$650,000

$339/sq ft

Public Records

Feb 27, 1995

Sold

$391,500

$204/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$24,241 (+0.5%)

$1,946,270 + $932,380

$2,878,650

2024

$24,112 (−2.0%)

$1,946,270 + $923,635

$2,869,905

2023

$24,612 (+19.5%)

2022

$20,588 (+5.9%)

2021

$19,432 (−4.1%)

$1,358,248 + $811,970

$2,170,218

2020

$20,253 (−1.3%)

$1,449,350 + $821,176

$2,270,526

2019

$20,514 (−1.6%)

$1,449,350 + $821,176

$2,270,526

2018

$20,848 (+28.0%)

$1,428,645 + $839,587

$2,268,232

2017

$16,289 (−3.5%)

2016

$16,871 (+3.3%)

$1,345,113 + $390,307

$1,735,420

2015

$16,329 (+3.3%)

$1,345,113 + $390,307

$1,735,420

2014

$15,814

Public record

Public record
Zoning
Permits

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

4,138 Sq. Ft.

Year renovated

2012

Finished Sq. Ft.

1,920

Unfinished Sq. Ft.

—

Total Sq. Ft.

1,920

Year built

1997

Style

Single Family Residential

County

Monroe County

APN

0668 25 00010120000225

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Apr 21, 2026.

HPRD

Historic Planned Redevelopment And Development District

The historic planned redevelopment and development district HPRD is established to implement comprehensive plan policies for areas designated HPRD on the comprehensive plan future land use map. The HPRD district shall provide a management framework for directing future redevelopment in several redeveloping fringe areas within and outside the review area of the historic architectural review commission.; The HPRD district includes the Truman Annex project, including Sunset Island. The HPRD district shall provide a basis for encouraging additional development and redevelopment activities in other areas. Such new development and redevelopment shall be designed to advance the goals, objectives and policies of the comprehensive plan. For instance, the HPRD district shall promote the following: Historic preservation.; Neighborhood facility improvements.; Architectural and urban design amenities which are consistent with the traditional Old Town historic character and which further subarea design and improvement strategies.; An increased supply of affordable housing which is accessible to targeted income groups over a longterm period.; Off-site parking facilities, including parking structures at strategically located areas through contributions to a special parking fund to be established to assist in financing construction of off-site centrally located parking facilities.

Permitted uses

Include but are not limited to:

Housing-Group
Housing-Single unit
Housing-Multiple units
Office

Climate risks

8/10 Flood Factor

Estimated 74-82% chance of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

Heat Factor

We're working on getting current and accurate heat risk information for this home.

10/10 Wind Factor

99% chance of strong winds in next 30 years

1/10 Air Factor

0 unhealthy days expected this year, 0 days in 30 years

Provided by First Street

Historical weather

Key West, FL • 33040

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

83/ 100

Very good sunlight

Sunscore

This home receives average direct sun exposure in Key West. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

8.2 hrs

6.2 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 514 Emma St

$3,412,760

$187K under list price of $3.60M

Nearby comparable homes

The Redfin Estimate uses 6 recent nearby sales, priced between $1.7M to $5.8M.

SOLD APR 14, 2026
$2,362,000 Last sold price
3 beds3 baths1,608 sq ft
506 Emma St, Key West, FL 33040
$406/sq ft
smaller lot
3 years older
SOLD SEP 4, 2026
$1,700,000 Last sold price
4 beds3 baths1,911 sq ft
1407 Petronia St, Key West, FL 33040
$985/sq ft
larger lot
49 years older
SOLD OCT 20, 2025
$3,500,000 Last sold price
3 beds3.5 baths2,532 sq ft
316 Southard St, Key West, FL 33040
$493/sq ft
larger lot
59 years older
SOLD MAR 24, 2026
$2,180,000 Last sold price
3 beds3.5 baths1,820 sq ft
622 Louisa St, Key West, FL 33040
$677/sq ft
larger lot
59 years older
SOLD JUL 20, 2026
$5,800,000 Last sold price
3 beds3 baths1,927 sq ft
293 Sunset Key Dr, Key West, FL 33040
$1135/sq ft
11 years newer
SOLD SEP 15, 2026
$2,335,000 Last sold price
3 beds3.5 baths1,897 sq ft
1033 Catherine St, Key West, FL 33040
$644/sq ft
smaller lot
9 years older

Rental earnings

Est. $6,719 per month, based on comparable rentals

Tour for free, no strings attached

Instant answers, or connect with a local agent

Start an offer