10 N End Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 10 N End Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,156 sqft · built 2016
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$875,000 (May 2021)
Tax Bill	$821 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00538240-000000`

Property Details

APN / Parcel Number

Primary APN	`00538240-000000`
Alternative APNs	`06614000538240000000` `1661759`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,156 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2018
Exterior Material	Other
Foundation Type	Pile
Roof Type	Reinforced Concrete
Roof Material	Other
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Porch	Open Porch
Patio Area	345 sqft
Fence	Fence

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1661759
Old Parcel Number	06614000538240000000
Street Address	10 N END RD
City	KEY LARGO
State	FL
Zip	33037-5012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LT 18 OCEAN ISLE EST PB5-14 KEY LARGO OR633-696 OR822-930 OR847-2306 OR886-1213 OR903-779 OR918-289 OR946-1305
Legal Range	40E
Legal Township	61S
Legal Section	06
Legal Subdivision	OCEAN ISLE ESTATE
Legal Block	1
Legal Lot Number	18
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1010
Census Tract	972700

Historic Designation

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.

Owner

10 N End Rd is owned and occupied by an individual who bought it in May 2021.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	10 N END RD, KEY LARGO, FL 33037-5012
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2021 · Amount on File
Deed Sale	May 28, 2021 · Amount on File
Prior Sale	Dec 13, 2007 · Amount on File
Deed Document Number	2322353
Deed Book / Page	3101 / 1172
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 28, 2021
Property Address	10 N END RD, KEY LARGO, FL 33037-5012
Document Number	0031011172
Book / Page	3101 / 1172
Map Reference	MB 5 PG 14
Instrument Date	May 27, 2021
Instrument	2322353
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ABSOLUTE FIRST TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	783 E FALCONRY CT, 783, HERNANDO, FL 34442-8364

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 N END RD, KEY LARGO, FL 33037-5012

Mortgage

Document Number	31011174
Date	May 28, 2021
Instrument	3101/1174

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$880,066	$933,302 Land $278,100 Building $655,202
2024	$821.00 (+11.55%)
2023	$736.00 (+0.55%) Homeowner's exemption	$830,354 (+3%)	$864,306 (+7.21%) Land $241,020 Building $623,286
2022	$732.00 Homeowner's exemption	$806,169 Land $176,130 Building $630,039	$806,169 Land $176,130 Building $630,039

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 N End Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Hurricane Irma, Sep 2017 · 28 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

Wildfire risk around 10 N End Rd is low, with a 0.03% annual chance of wildfire.

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.

Internet Providers

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