Monroe County property record for 1 N End Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 2001 |
| Lot Size | 0.255 acres (11,141 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $650,000 (Dec 2025) |
| Tax Bill | $5,095 (2024) |
| Deeds & Mortgages | Feb 2022 Mortgage Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00538430-000000 |
| Primary APN | 00538430-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 1,500 sqft |
| Interior Walls | Plaster |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 11,141 sqft (0.255 acres) |
| Porch | Open Porch |
| Porch Area | 106 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1661945 |
|---|---|
| Old Parcel Number | 06614000538430000000 |
| Street Address | 1 N END RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2 LT 13 OCEAN ISLE EST PB5-14 KEY LARGO OR783-1500 OR786-1768 OR823-1110/1113Q/C OR898-1476 OR1445-632 OR1531-314Q/C |
| Legal Range | 40E |
| Legal Township | 61S |
| Legal Section | 06 |
| Legal Subdivision | OCEAN ISLE ESTATE |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 972700 |
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 16, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1 N END RD, KEY LARGO, FL 33037-5011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2022 | Deed of Trust, Mortgage · Commercial Mortgage HOMETOWN EQUITY MORTGAGE |
| Dec 2, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2025 · Amount on Record |
| Deed Sale | Dec 2, 2025 · Amount on Record |
| Prior Sale | Mar 24, 1999 · Amount on Record |
| Deed Document Number | 2523875 |
| Deed Book / Page | 3355 / 2165 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 1 N END RD, KEY LARGO, FL 33037-5011 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1502 TER, NORTH MIAMI BEACH, FL 33162 |
| Investor | Possibly a Property Investor |
| Document Number | 0031562482 |
|---|---|
| Date | Feb 24, 2022 |
| Book Page | 3156/2482 |
| Instrument | 2362974 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | LAKE FOREST, CA 92630 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 2, 2025 |
| Property Address | 1 N END RD, KEY LARGO, FL 33037-5011 |
| Document Number | 0033552165 |
| Book / Page | 3355 / 2165 |
| Map Reference | MB 5 PG 14 |
| Instrument Date | Nov 19, 2025 |
| Instrument | 2523875 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | CLEARVIEW TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1502 NE 154TH TER, NORTH MIAMI BEACH, FL 33162-5900 |
| Name | Verified Name |
|---|---|
| Address | 1 N END RD, KEY LARGO, FL 33037-5011 |
| Document Number | 0033552167 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 3355/2167 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
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 | $647,335 (+11.69%) Land $391,014 Building $256,321 | $647,335 (+11.69%) Land $391,014 Building $256,321 | |
| 2024 | $5,095.00 (+8.2%) | ||
| 2023 | $4,709.00 (+14.24%) | $579,582 (+18.47%) Land $338,879 Building $240,703 | $579,582 (+18.47%) Land $338,879 Building $240,703 |
| 2022 | $4,122.00 | $489,210 Land $247,642 Building $241,568 | $489,210 Land $247,642 Building $241,568 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 225 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 225 in force |
| Nearby Flood Claims | 29 (2017–2023) |
| Most Recent Claim | Nov 2023 · 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 | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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