Monroe County property record for 1004 Adams Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,122 sqft · built 1987 |
| Lot Size | 0.298 acres (13,000 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $2,099,000 (Jul 2022) |
| Tax Bill | $16,009 (2025) |
| Deeds & Mortgages | Sep 2026 Transfer Apr 2026 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00550760-000000 |
| Primary APN | 00550760-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,122 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 13,000 sqft (0.298 acres) |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 1,048 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 418 sqft |
| Deck Area | 40 sqft |
| Patio Area | 445 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1674231 |
|---|---|
| Street Address | 1004 ADAMS DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LT 1 TWIN LAKES 1ST ADDN KEY LARGO PB5-68 OR419-728 OR522-881Q OR804-870 OR1027-1255Q/C OR3185-1387 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 15 |
| Legal Subdivision | TWIN LAKES 1ST ADD |
| Legal Tract | A |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 970400 |
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 September 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 1004 ADAMS DR, KEY LARGO, FL 33037-2703 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 2, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 16, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 25, 2022 | Warranty Deed, Transfer · Stand-Alone Second Mortgage ADAMS BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2022 · Amount on Record |
| Deed Sale | Jul 25, 2022 · Amount on Record |
| Prior Sale | Nov 1, 2011 |
| Deed Document Number | 20222384712 |
| Deed Book / Page | 3185 / 1387 |
| Last Transfer Date | Sep 2, 2026 |
| Transfer Doc | 0002559337 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 2, 2026 |
| Property Address | 1004 ADAMS DR, KEY LARGO, FL 33037-2703 |
| Document Number | 0002559337 |
| Book / Page | 3400 / 2319 |
| Instrument Date | Sep 2, 2026 |
| Instrument | 20262559337 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 1004 ADAMS DR, KEY LARGO, FL 33037-2703 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 16, 2026 |
| Property Address | 1004 ADAMS DR, KEY LARGO, FL 33037-2703 |
| Document Number | 0002539817 |
| Book / Page | 3376 / 942 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 20262539817 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1004 ADAMS DR, KEY LARGO, FL 33037-2703 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 25, 2022 |
| Property Address | 1004 ADAMS DR, KEY LARGO, FL 33037-2703 |
| Document Number | 0031851387 |
| Book / Page | 3185 / 1387 |
| Map Reference | MB 5 PG 68 |
| Instrument Date | Jul 21, 2022 |
| Instrument | 2384712 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Title Company | INDEPENDENT TITLE OF FORT LAUD, INDEPENDENT TTL OF FORT LAUD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $14,693.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 930 EWING AVE, 930, FRANKLIN LAKES, NJ 07417-2941 |
| Name | Verified Name |
|---|---|
| Address | 1314 E LAS OLAS BLVD # 151, 151, FT LAUDERDALE, FL 33301-2334 |
| Document Number | 0031851389 |
|---|---|
| Date | Jul 25, 2022 |
| Instrument | 3185/1389 |
| Name | ADAMS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 21, 2032 |
| Rate Type | Adjustable Rate |
|---|
Source: Monroe County assessment roll, as of December 8, 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 | $16,009.00 (+27.46%) | $1,619,056 (+11.36%) Land $1,197,196 Building $421,860 | $1,619,056 (+11.36%) Land $1,197,196 Building $421,860 |
| 2024 | $12,560.00 (+2.21%) | ||
| 2023 | $12,288.00 (+94.49%) | $1,453,957 (+59.21%) Land $1,047,547 Building $406,410 | $1,453,957 (+59.21%) Land $1,047,547 Building $406,410 |
| 2022 | $6,318.00 | $913,242 Land $550,550 Building $362,692 | $913,242 Land $550,550 Building $362,692 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 281 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 299 units insured incl. 18 condo units |
| Nearby Flood Claims | 163 (1992–2024) |
| Claims Outside the SFHA | 3 of 163 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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 | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | None beyond 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 236 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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