70 miles North of the Tropics, or 2/3 the way to Havana Cuba, but we'll allow that.
When you live in a warm climate, you have to make allowances. If you read the post I made the other day about Raining Iguanas and Cold being anything under 70F/21C then you'll understand where I'm coming from. Houses here have big porches and awnings so direct sunlight do not come in and heat up the home. They're built to allow the breezes to flow through and cool without Air Conditioning. It never really gets as hot as it did in Philadelphia in August although it stays hot much longer.
When you are on a small island that is for the most part self contained, you end up walking everywhere. If you want to use Mass Transit, it comes in smaller forms. This Pedicab in front of the Conch House Style home says it well. Its only about a half mile or a KM or so from the central business district so normally you walk. Even Americans who have a reputation of not liking to walk will do so in Key West. Or they'll hop on the back of this contraption.
After all it is Mad Dogs and Englishmen who go out in the Noonday Sun. The rest of us have a shade over us on a pedicab.