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  5. Gibraltar Rd

1013 Gibraltar Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 1013 Gibraltar Rd, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,651 sqft · built 1975
Lot Size0.144 acres (6,300 sqft)
OwnerOwner Name on File
Last Sale$260,000 (Nov 2003)
Tax Bill$2,498 (2024)
Deeds & MortgagesDec 2021 Mortgage
Flood ZoneZone AE (high risk)
APN00544800-000000

Property Details

APN / Parcel Number

Primary APN00544800-000000
Alternative APNs
  • 22613900544800000000
  • 1668311

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,651 sqft Living Area
1st Floor Area1,651 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 2010
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeReinforced Concrete
Roof MaterialOther
Lot Area6,300 sqft (0.144 acres)
Lot Dimensions105 ft deep x 60 ft wide

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
PorchFinished/Screened Porch
Porch Area252 sqft
Patio Area145 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1668311
Old Parcel Number22613900544800000000
Street Address1013 GIBRALTAR RD
CityKEY LARGO
StateFL
Zip33037-4608
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 8 LT 18 BAHIA MAR EST PB4-79 KEY LARGO OR627-113 OR644-742Q OR695-255 OR976-1491 OR1102-2168 OR1841-145AFF OR1948-783
Legal Range39E
Legal Township61S
Legal Section22
Legal SubdivisionBAHIA MAR ESTATES
Legal Block8
Legal Lot Number18
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2008
Census Tract970400

Owner

Source: Monroe County records · APN 00544800-000000

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordOwner Name on File
Mailing Address1013 GIBRALTAR RD, KEY LARGO, FL 33037-4608
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 06, 2003 · Amount on Record
Deed SaleNov 06, 2003 · Amount on Record
Deed Document Number1407120
Deed Book / Page1948 / 0783
Record UpdatedJun 08, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1013 GIBRALTAR RD, KEY LARGO, FL 33037-4608
Transaction TypeMortgage
Record UpdatedJan 03, 2022
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1013 GIBRALTAR RD, KEY LARGO, FL 33037-4608

Mortgage

Document Number0031420677
DateDec 09, 2021
Book Page3142/677
Instrument2352116
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term121 Months
DueJan 01, 2032

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$260,961 (+5.99%)$604,385 (+13.4%) Land $285,012 Building $319,373
2024$2,498.00 (+5.58%)
2023$2,366.00 (+5.02%) Homeowner's exemption$246,221 (+3%)$532,949 (+11.67%) Land $277,830 Building $255,119
2022$2,253.00 Homeowner's exemption$239,050$477,235 Land $215,460 Building $261,775

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 245 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies245 in force
Nearby Flood Claims161 (1992–2023)
Claims Outside the SFHA6 of 161
Most Recent ClaimNov 2023 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 91 claims
  • Hurricane Irene, Oct 1999 · 31 claims
  • Hurricane Georges, Sep 1998 · 11 claims

Wildfire

Wildfire RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Listed AreaWithin 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 344 locations within half a mile of this property.

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