$640,000
SOLD MAR 26, 2026

317 Cross St Key West, FL 33040

3 Beds
2 Baths
1,104 Sq Ft
5,663 Sq Ft Lot

Recently Sold

$580 Per Sq Ft

8% Below List Price

140 Days on Market

About This Home

As of March 2026

This 3 bedroom, 2 bathroom home is a great family home or investment opportunity; situated on a large 5625 sf corner lot within walking distance of the neighborhood park. It is currently configured with the main section having 2 bedrooms, living area, kitchen and a full bathroom plus an adjoining guest section that has it's own living area, kitchen, bedroom, full bathroom and it's own separate entrance.The large yard has 2 off-street parking spaces as well as Mango, Key Lime, Sour Orange and banana trees. Additional benefits include a metal roof and freshly painted exterior. All furniture except for the electronics are being included in the sale. The home has never flooded since being owned in 2006 or in storm Wilma in 2005.

Last Agent to Sell the Property

Rob Severin

Rob Severin Real Estate Co License #683433 Listed on: 10/10/2025

Last Buyer's Agent

Leah Benner

Coldwell Banker Schmitt Real Estate Co. (KW) License #SL3589993

Coldwell Banker Schmitt Real Estate Co. (KW)

Home Details

Home Type

Single Family

Year Built

1964

Lot Details

5,663 Sq Ft Lot

Listing Details

  • Property Type: Residential
  • Style: Single Family
  • As Is Right To Inspect: Yes
  • First Right of Refusal: No
  • Mandatory HOA: No
  • Fee Includes: None
  • Key Island: Stock Island
  • Limited Representation: No
  • Marathon Neighborhood: N/A
  • Mile Marker: 5.00
  • Min Rental Days: 30.00
  • M L S Identifier: 20060123165453488875000000
  • Pets: Pets Allowed
  • Property Group I D: 19990816212109142258000000
  • Sale Terms: Cash
  • Side: Median
  • State Province: FL
  • Taxes: 4717.96
  • Title: Negotiable
  • Vehicle Storage: Off Street Parking
  • Year Built: 1964
  • Alternate Key Number: 1162132
  • Cooling Heating: Wall/Window Unit(s), Ceiling Fans(s)
  • Lot Sq Ft: 5625.00
  • Porch Balcony: Patio
  • Tax Exemptions: None
  • Building Style Above Flood: Unknown
  • Estimated Living Sq Ft: 1104.00
  • Financial Status Standard Sale: Yes
  • Sewer Hook Up: Yes
  • Statistical Purposes Only: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Interior Amenities: Storage
  • Total Bathrooms: 2.00
  • Full Bathrooms: 2
  • Appliances: Refrigerator, Freezer, Range
  • Floor: Tile
  • Windows/Doors: Sliding Glass Doors
  • Total Bedrooms: 3

Exterior Features

  • Dockage: None
  • Waterfront: None
  • Waterfront: No
  • Construction: CBS
  • Exterior Features: Fencing, Storage, Shed
  • Roof: Metal Roof
  • Waterview: No Waterview
  • Pool: No

Utilities

  • Utilities: FKAA

Lot Info

  • Deed Restrictions: Unknown
  • Flood Zone: AE
  • Parcel Number: 00127960-000000
  • Land Size: Less Than 1/4 Acre
  • Acres: 0.13

Rental Info

  • Rentals Allowed: With Restrictions
  • Furnished: Negotiable

Tax Info

  • Tax Year: 2024

Ownership History

Date Name Owned For Owner Type

Purchase Details

Closed on
Nov 16, 2006
Sold by
Heard Diana
Bought by
Heard Diana and Russell Franklin

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$400,000
Outstanding Balance
$244,815
Interest Rate
7.12%
Mortgage Type
Unknown
Estimated Equity
$420,268

Purchase Details

Closed on
Nov 7, 2006
Sold by
Russell Frankaline
Bought by
Heard Diana and Russell Franklin

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$400,000
Outstanding Balance
$244,815
Interest Rate
7.12%
Mortgage Type
Unknown
Estimated Equity
$420,268

Purchase Details

Closed on
Nov 1, 2006
Sold by
Russell Franklin J and Brock Jacqueline
Bought by
Sweeting Herman and Sweeting Jeanette

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$400,000
Outstanding Balance
$244,815
Interest Rate
7.12%
Mortgage Type
Unknown
Estimated Equity
$420,268

Purchase Details

Closed on
Oct 14, 2006
Sold by
Brock Jacqueline A
Bought by
Heard Diana and Russell Franklin

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$400,000
Outstanding Balance
$244,815
Interest Rate
7.12%
Mortgage Type
Unknown
Estimated Equity
$420,268

Purchase Details

Closed on
Oct 5, 2006
Sold by
Russell Franklin
Bought by
Heard Diana and Russell Franklin

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$400,000
Outstanding Balance
$244,815
Interest Rate
7.12%
Mortgage Type
Unknown
Estimated Equity
$420,268

Purchase Details

Closed on
Sep 26, 2006
Sold by
Mounts Brenda
Bought by
Heard Diana and Russell Franklin

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$400,000
Outstanding Balance
$244,815
Interest Rate
7.12%
Mortgage Type
Unknown
Estimated Equity
$420,268
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
Not Available
List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Type Sale Price Title Company
Interfamily Deed Transfer -- Attorney
Interfamily Deed Transfer -- Attorney
Warranty Deed $377,500 Attorney
Interfamily Deed Transfer -- Attorney
Interfamily Deed Transfer -- Attorney
Personal Reps Deed -- Attorney
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $400,000 Unknown
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
03/26/2026 03/26/26 Sold $640,000 -5.7% $580 / Sq Ft
02/04/2026 02/04/26 Price Changed $679,000 -2.9% $615 / Sq Ft
10/10/2025 10/10/25 For Sale $699,000 -- $633 / Sq Ft
Source: Key West Association of REALTORS®

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $4,718 $546,720 $365,625 $181,095
2024 $4,296 $542,634 $365,625 $177,009
2023 $4,296 $504,439 $337,500 $166,939
2022 $3,933 $452,623 $281,250 $171,373
2021 $3,662 $361,685 $210,938 $150,747
2020 $3,477 $353,970 $202,500 $151,470
2019 $3,156 $306,998 $151,875 $155,123
2018 $3,010 $290,572 $133,594 $156,978
2017 $2,679 $244,126 $0 $0
2016 $2,551 $226,708 $0 $0
2015 -- $214,520 $0 $0
2014 -- $181,242 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • R

    Seller's Agent in 2026

    Rob Severin

    Rob Severin Real Estate Co

    (305) 433-0108

    1 in this area

    17 Total Sales

    Rob Severin
    Section Image

  • L

    Buyer's Agent in 2026

    Leah Benner

    Coldwell Banker Schmitt Real Estate Co. (KW)

    (305) 923-5752

    1 in this area

    1 Total Sale

    Leah Benner
    Section Image
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Map

Source: Key West Association of REALTORS®

MLS Number: 616800

Key West Association of REALTORS®

APN: 00127960-000000

Florida Monroe County Key West 33040

317 Cross St, Key West, FL

Sold

Detached

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Key West Association of REALTORS® IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.

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