1 Spray Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 1 Spray Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,313 sqft · built 1972
Lot Size	0.352 acres (15,328 sqft)
Owner	Company Name on Record
Last Sale	$4,845,000 (May 2022)
Tax Bill	$32,429 (2024)
Deeds & Mortgages	May 2022 Sale Mar 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00572760-000000`

Property Details

APN / Parcel Number

Primary APN	`00572760-000000`
Alternative APN	`1707741`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,313 sqft Living Area
Gross Area	3,758 sqft
1st Floor Area	3,313 sqft
Attic	Attic
Attic Area	400 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2008
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	15,328 sqft (0.352 acres)
Garage Type	Attached
Garage Area	445 sqft
Pool Area	450 sqft
Porch	Florida Room
Porch Area	1,381 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1707741
Street Address	1 SPRAY RD
City	KEY LARGO
State	FL
Zip	33037-3724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 12 LT 25 A RE PLAT OF PORTIONS OF OCEAN REEF PLAT3 PB5-30 KEY LARGO OR495-787 OR747-486/87 OR1048-2297 OR1053-2118/19 OR1074-1979 OR1404-1004 OR1437-1528/30 OR1629-59 OR1668-646/48 OR2212-1722/24 OR2673-995/97 OR3004-0068 OR3022-2069 OR3022-2071 O
Legal Range	41E
Legal Township	59S
Legal Section	07
Legal Subdivision	OCEAN REEF NO 3 REPLAT
Legal Block	12
Legal Lot Number	25
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3011
Census Tract	972700

Owner

Source: Monroe County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	670 SOLANO PRADO, CORAL GABLES, FL 33156-2372
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Warranty Deed, Transfer REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
May 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 16, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 10, 2017	Deed of Trust, Mortgage GIBRALTAR PRIVATE BK&TR FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2022 · Amount on Record
Deed Sale	May 18, 2022 · Amount on Record
Prior Sale	May 18, 2020
Deed Document Number	20222376112
Deed Book / Page	3174 / 1179
Prior Transfer Date	May 15, 2020
Prior Transfer Doc	0030222071
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 18, 2022
Property Address	1 SPRAY RD, KEY LARGO, FL 33037-3724
Document Number	0031741179
Book / Page	3174 / 1179
Map Reference	MB 5 PG 30
Instrument Date	May 18, 2022
Instrument	2376112
Transaction Type	Transfer
Record Updated	Jun 3, 2022
Title Company	REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Tax	$33,915.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 DOCKSIDE LN # 455, 24, KEY LARGO, FL 33037-5267

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 VINEWOOD AVE, BIRMINGHAM, MI 48009-1307

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1 SPRAY RD, KEY LARGO, FL 33037-3724
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 DOCKSIDE LN 455, 455, KEY LARGO, FL 33037-5267

Mortgage

Document Number	0030851848
Date	Mar 31, 2021
Book Page	3085/1848
Instrument	2311465

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	May 18, 2020
Property Address	1 SPRAY RD, KEY LARGO, FL 33037-3724
Document Number	0030222071
Book / Page	003022 / 002071
Instrument Date	May 15, 2020
Instrument	2266386
Transaction Type	Transfer
Record Updated	Jul 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	24 DOCKSIDE LN #455 KEY LARGO FL 330375267, 455, KEY LARGO, FL 33037-5267

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jan 16, 2020
Property Address	1 SPRAY RD, KEY LARGO, FL 33037-3724
Document Number	0030040068
Book / Page	003004 / 000068
Instrument Date	Jan 14, 2020
Instrument	2252244
Transaction Type	Transfer
Record Updated	Feb 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24 DOCKSIDE LN #455 KEY LARGO FL 330375267, 455, KEY LARGO, FL 33037-5267

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1 SPRAY RD, KEY LARGO, FL 33037-3724
Document Number	0028642186
Book / Page	002864 / 002186
Instrument Date	Jul 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 7, 2017
Title Company	FIRST INT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 SPRAY RD KEY LARGO FL 330373724, KEY LARGO, FL 33037-3724

Mortgage

Document Number	0028642186
Date	Jul 18, 2017
Book Page	002864/002186
Instrument	2131570

Lender

Name	GIBRALTAR PRIVATE BK&TR FSB
Type	Bank
Address	55 ALHAMBRA PLZ, CORAL GABLES, FL 33134-5254

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$4,947,087 (+8.56%)	$5,369,074 (+17.82%) Land $4,807,397 Building $561,677
2024	$32,429.00 (+3.61%)
2023	$31,299.00 (+484.05%)	$4,557,078 (+482.1%) Land $3,994,324 Building $562,754	$4,557,078 (+59.44%) Land $3,994,324 Building $562,754
2022	$5,359.00	$782,864	$2,858,145 Land $2,292,197 Building $565,948

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 838 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured incl. 747 condo units
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 73 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

1 Spray Rd, Key Largo, FL 33037 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Spray Rd

Nearby Streets

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