Monroe County property record for 1 Beach Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 4,778 sqft · built 1989 |
| Lot Size | 0.904 acres (39,388 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $37,110 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage Apr 2018 Line of Credit + 1 more |
| Flood Zone | Zone VE (high risk) |
| APN | 00502780-000000 |
| Primary APN | 00502780-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 3 Stories |
| Building Area | 4,778 sqft Living Area |
| 1st Floor Area | 4,778 sqft |
| Flooring | Marble |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 39,388 sqft (0.904 acres) |
| Garage Area | 1,015 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 7,683 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1620653 |
|---|---|
| Old Parcel Number | 33613900502780000000 |
| Street Address | 1 BEACH RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT J AND K AND PT VACATED BEACH ROAD KEY LARGO BEACH PB2-149 AND 33 61 39 PT GOV LT 3 KEY LARGO OR420-776 OR435-865 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 33 |
| Legal Subdivision | KEY LARGO BEACH |
| Legal Tract | J |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 970500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within John Pennekamp Coral Reef State Park and Reserve listed 1972 · 10 contributing resources · NRIS 72000340 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 9331 SW 120TH ST, MIAMI, FL 33176-5007 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage INTERCREDIT BANK NA |
| Apr 27, 2018 | Deed of Trust, Mortgage · Line of Credit INTERCREDIT BK |
| Jan 10, 2017 | Grant Deed ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2020 |
| Deed Sale | Sep 1, 2020 |
| Prior Sale | Jul 3, 2013 · Amount on Record |
| Deed Document Number | 0003068756 |
| Deed Book / Page | 2799 / 0560 |
| Prior Transfer Date | May 31, 2016 |
| Prior Transfer Doc | 2077817 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 1 BEACH RD, KEY LARGO, FL 33037-4334 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 8250 SW 108TH ST, MIAMI, FL 33156-3536 |
| Document Number | 0030702095 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 3070/2095 |
| Instrument | 2300681 |
| Name | INTERCREDIT BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMI, FL 33165 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Feb 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.25% |
| Index | 1-Year CMT |
| Max Rate | 9.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 1 BEACH RD, KEY LARGO, FL 33037-4334 |
| Document Number | 0029040594 |
| Instrument Date | Apr 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5801 MOSS RANCH RD PINECREST FL 331565634, PINECREST, FL 33156-5634 |
| Document Number | 0029040594 |
|---|---|
| Date | May 1, 2018 |
| Book Page | 002904/000594 |
| Instrument | 2166931 |
| Name | INTERCREDIT BK |
|---|---|
| Type | Bank |
| Address | 6400 SW 8TH ST, WEST MIAMI, FL 33144-4814 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 10, 2017 |
| Property Address | 1 BEACH RD, KEY LARGO, FL 33037-4334 |
| Document Number | 0028340898 |
| Book / Page | 002834 / 000898 |
| Instrument Date | Jan 4, 2017 |
| Instrument | 2106361 |
| Record Updated | Feb 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5801 MOSS RANCH RD PINECREST FL 331565634, PINECREST, FL 33156-5634 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,718,057 (+14.58%) Land $4,097,170 Building $1,620,887 | $5,718,057 (+14.58%) Land $4,097,170 Building $1,620,887 | |
| 2024 | $37,110.00 (+9.31%) | ||
| 2023 | $33,950.00 (+20.33%) | $4,990,639 (+27.36%) Land $3,400,320 Building $1,590,319 | $4,990,639 (+27.36%) Land $3,400,320 Building $1,590,319 |
| 2022 | $28,213.00 | $3,918,433 Land $2,328,480 Building $1,589,953 | $3,918,433 Land $2,328,480 Building $1,589,953 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 15.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 595 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 839 units insured incl. 244 condo units |
| Nearby Flood Claims | 304 (1983–2025) |
| Claims Outside the SFHA | 8 of 304 |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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