Monroe County property record for 1011 Gibraltar Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,256 sqft · built 1973 |
| Lot Size | 0.253 acres (11,025 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $390,000 (Aug 2020) |
| Tax Bill | $3,345 (2024) |
| Deeds & Mortgages | Nov 2021 Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00544790-000000 |
| Primary APN | 00544790-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| 1st Floor Area | 1,256 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,025 sqft (0.253 acres) |
| Lot Dimensions | 105 ft deep x 90 ft wide |
| Porch | Florida Room |
|---|---|
| Porch Area | 312 sqft |
| Deck Area | 1,837 sqft |
| Patio Area | 1,837 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1668303 |
|---|---|
| Street Address | 1011 GIBRALTAR RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BAHIA MAR EST PB4-79 KEY LARGO N3/4 LT 16 & LT17 BLK 8 OR523-718 OR807-1711 OR1092-152 OR1522-1152 OR1549-2296 OR1806-2183 OR3036-1506 OR3137-1996 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | BAHIA MAR ESTATES |
| Legal Block | 8 |
| Legal Lot Number | 16,17 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2008 |
| 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 December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1011 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 16, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage SOFI LENDING CORP |
| Aug 10, 2020 | Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2020 · Amount on Record |
| Deed Sale | Aug 10, 2020 · Amount on Record |
| Prior Sale | Aug 13, 2002 · Amount on Record |
| Deed Document Number | 20202276613 |
| Deed Book / Page | 3036 / 1506 |
| Last Transfer Date | Nov 15, 2021 |
| Transfer Doc | 0031371996 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 16, 2021 |
| Property Address | 1011 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Document Number | 0031371996 |
| Book / Page | 3137 / 1996 |
| Map Reference | MB 4 PG 79 |
| Instrument Date | Nov 8, 2021 |
| Instrument | 2348783 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2021 |
| Title Company | NOT AVAILABLE, RAVENSWOOD TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1011 GILBRALTAR ROAD, KEY LARGO, FL 33037-4608 |
| Document Number | 31372000 |
|---|---|
| Date | Nov 16, 2021 |
| Instrument | 3137/2000 |
| Name | SOFI LENDING CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 10, 2020 |
| Property Address | 1011 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Document Number | 0030361506 |
| Book / Page | 3036 / 1506 |
| Map Reference | MB 4 PG 79 |
| Instrument Date | Aug 7, 2020 |
| Instrument | 2276613 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | NU WORLD TITLE OF DAVIE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21 1ST AVE # AVE111, 21, KEY LARGO, FL 33037-4002 |
| Name | Verified Name |
|---|---|
| Address | 1011 GIBRALTAR RD, KEY LARGO, FL 33037-4608 |
| Document Number | 0030361508 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 3036/1508 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
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 | $371,596 (+5.99%) | $545,424 (+0.28%) Land $321,048 Building $224,376 | |
| 2024 | $3,345.00 (+4.69%) | ||
| 2023 | $3,195.00 (+5.52%) Homeowner's exemption | $350,606 (+3%) | $543,913 (+15.11%) Land $361,951 Building $181,962 |
| 2022 | $3,028.00 Homeowner's exemption | $340,395 | $472,509 Land $280,697 Building $191,812 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 245 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 245 in force |
| Nearby Flood Claims | 161 (1992–2023) |
| Claims Outside the SFHA | 6 of 161 |
| 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 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 344 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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