101 Kay Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 101 Kay Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,826 sqft · built 2024
Lot Size	0.083 acres (3,600 sqft)
Owner	Individual Name on Record
Last Sale	$925,000 (May 2025)
Tax Bill	$1,396 (2024)
Deeds & Mortgages	May 2025 Sale & Mortgage Sep 2022 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`00461380-000000`

Property Details

APN / Parcel Number

Primary APN	`00461380-000000`
Alternative APNs	`21613900461380000000` `1564834`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	1,826 sqft Living Area
1st Floor Area	672 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Mobile Home
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Concrete
Lot Area	3,600 sqft (0.083 acres)
Lot Dimensions	80 ft deep x 45 ft wide
Garage Type	Covered
Garage Area	1,277 sqft
Porch	Screened Porch
Porch Area	288 sqft
Patio Area	1,745 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1564834
Street Address	101 KAY DR
City	KEY LARGO
State	FL
Zip	33037-2669
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK 15 LT 34 KEY LARGO TRAILER VILLAGE FIRST ADDITION KEY LARGO PB5-55 OR427-89 OR1021-1488 OR1232-1760/61 OR1238-1731/32 OR1265-368 OR1388-471/98 OR2353-756 OR2405-1167 OR2545-2246 OR2888-1387/90 OR3044-129 OR3078-0056 OR3195-1620
Legal Range	39E
Legal Township	61S
Legal Section	21
Legal Subdivision	KEY LARGO TRAILER VILLAGE 1ST ADD
Legal Block	15
Legal Lot Number	34
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1017
Census Tract	970400

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

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	Individual Name on Record
Mailing Address	17510 NW 52ND AVE, MIAMI GARDENS, FL 33055-3509
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
May 29, 2025	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 30, 2022	Re-recorded Document · Construction Mortgage US BANK NA
Feb 26, 2021	Intrafamily Transfer, Transfer
Sep 14, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jan 24, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2025 · Amount on Record
Deed Sale	May 29, 2025 · Amount on Record
Prior Sale	Sep 14, 2020 · Amount on Record
Deed Document Number	2025492
Deed Book / Page	3328 / 446
Prior Transfer Date	May 5, 1993
Prior Transfer Doc	1265000368
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 29, 2025
Property Address	101 KAY DR, KEY LARGO, FL 33037-2669
Document Number	0033280446
Book / Page	3328 / 446
Map Reference	MB 5 PG 55
Instrument Date	May 26, 2025
Instrument	2502492
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	SUNNY TITLE COMPANY, SUNNY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1698 W 64TH ST, HIALEAH, FL 33012-6106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17510 NW 52ND AVE, MIAMI GARDENS, FL 33055-3509

Mortgage

Document Number	0003328448
Date	May 29, 2025
Instrument	3328/448

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

September 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MONROE FL
Recording Date	Sep 30, 2022
Property Address	101 KAY DR, KEY LARGO, FL 33037-2669
Document Number	0031951620
Book / Page	3195 / 1620
Map Reference	MB 5 PG 55
Instrument Date	Sep 19, 2022
Instrument	2392709
Record Updated	Dec 8, 2025
Title Company	ELITE WORLD TITLE SERVICES INC, ELITE WORLD TITLE SVCS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1698 W 64TH ST, HIALEAH, FL 33012-6106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1698 W 64TH ST, HIALEAH, FL 33012-6106

Mortgage

Document Number	0031951622
Date	Sep 30, 2022
Instrument	3195/1622

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Feb 26, 2021
Property Address	101 KAY DR, KEY LARGO, FL 33037-2669
Document Number	0030780056
Book / Page	3078 / 56
Map Reference	MB 5 PG 55
Instrument Date	Jul 31, 2020
Instrument	2305928
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1698 W 64TH ST, HIALEAH, FL 33012-6106

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 14, 2020
Property Address	101 KAY DR, KEY LARGO, FL 33037-2669
Document Number	0030440129
Book / Page	3044 / 129
Map Reference	MB 5 PG 55
Instrument Date	Jul 31, 2020
Instrument	2281599
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	CAPITAL TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$889.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3298, KEY LARGO, FL 33037

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1698 W 64TH ST, HIALEAH, FL 33012-6106

Mortgage

Document Number	0003044131
Date	Sep 14, 2020
Instrument	3044/131

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Aug 1, 2023
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	11.2%

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jan 24, 2018
Property Address	101 KAY DR, KEY LARGO, FL 33037-2669
Document Number	0028881387
Book / Page	002888 / 001387
Instrument Date	Dec 6, 2017
Instrument	2152309
Transaction Type	Transfer
Record Updated	Feb 8, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3298 KEY LARGO FL 33037, KEY LARGO, FL 33037

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		$816,389 (+289.5%) Land $267,300 Building $549,089	$816,389 (+289.5%) Land $267,300 Building $549,089
2024	$1,396.00 (+3.79%)
2023	$1,345.00 (+19.98%)	$209,601 (+30.08%) Land $208,890 Building $711	$209,601 (+30.08%) Land $208,890 Building $711
2022	$1,121.00	$161,138 Land $160,380 Building $758	$161,138 Land $160,380 Building $758

Assessed value is set for property tax purposes, not a market price estimate; it is 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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 147 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	151 units insured incl. 4 condo units
Nearby Flood Claims	160 (1979–2022)
Claims Outside the SFHA	3 of 160
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 28 claims Hurricane Wilma, Oct 2005 · 75 claims Hurricane Irene, Oct 1999 · 14 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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Verizon.

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