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Single Family ResidenceResidential
$844,228$646 / 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 88How 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

1223 20TH TER

KEY WEST, FL 33040
3
Beds
1
Baths
1,307 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.
1963
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$844K
$747K low$942K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,220 (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.$169,657 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$164,876
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$644,893

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.52 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.1995
Lot (acres)The size of the land the home sits on, from county records.0.13
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
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.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.Patio · 832 ft²Porch · 33 ft²

Transaction History(1)

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.

E
Poinciana Elementary SchoolA-
Elementary · Grades PK–5 · 0.9 mi
H
Key West High SchoolC-
High · Grades 9–12 · 1.8 mi
M
Horace O'Bryant SchoolD+
Middle · Grades PK–8 · 2.3 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

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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

1223 20th Ter 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 65% of homes in Key West 33040
  • Has a smaller lot than 67% 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
$379K$4.3M

This home is worth more than 40% 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$844,228
CheaperTypical $982,501Pricier

Pricier than 40% of homes nearby

Price per ft²$646
CheaperTypical $770Pricier

Pricier than 35% of homes nearby

Living area1,307 ft²
SmallerTypical 1,285 ft²Bigger

Bigger than 52% of homes nearby

Lot size0.13 ac
SmallerTypical 0.12 acBigger

Bigger than 54% of homes nearby

Year built1963
OlderTypical 1972Newer

Newer than 41% of homes nearby

How 1223 20th Ter ranks against every home in each area.
MeasureThis homeKey West 33040Monroe County
Estimated valuepricier than$844,22840% of homes39% of homes
Price per ft²pricier than$64635% of homes39% of homes
Living areabigger than1,307 ft²52% of homes47% of homes
Lot sizebigger than0.13 ac54% of homes33% of homes
Year builtnewer than196341% of homes18% of homes

About 1223 20th Ter

How much is 1223 20th Ter, Key West, FL worth?

The TopHap Estimate for 1223 20th Ter, Key West, FL is $844,228 as of Sep 24, 2026. The likely range is $746,801 to $941,655. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 1223 20th Ter, Key West, FL?

1223 20th Ter, Key West, FL has 3 bedrooms, 1 bathrooms, 1,307 square feet of living space and a 0.13-acre lot.

When was 1223 20th Ter, Key West, FL built?

1223 20th Ter, Key West, FL was built in 1963, making it 63 years old. The building has 1 story.

What schools serve 1223 20th Ter, Key West, FL?

1223 20th Ter, Key West, FL is assigned to Poinciana Elementary School (elementary), rated A-; 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 1223 20th Ter, 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 40% of them ($844,228 against a typical $982,501), its price per square foot is higher than 35% of them ($646 against a typical $770), it is bigger than 52% of them (1,307 ft² against a typical 1,285 ft²), its lot is bigger than 54% of them (0.13 ac against a typical 0.12 ac) and it is newer than 41% of them (1963 against a typical 1972). Measured against all of Monroe County, it is worth more than 39% 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 1223 20th Ter, Key West, FL?

The 2024 property tax bill for 1223 20th Ter, Key West, FL was $1,220. The county assessed it at $169,657.

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