1015 Gibraltar Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 1015 Gibraltar Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,100 sqft · built 1975
Lot Size	0.144 acres (6,300 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Aug 2019)
Tax Bill	$2,268 (2024)
Deeds & Mortgages	Jan 2020 Loan Modification Aug 2019 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`00544810-000000`

Property Details

APN / Parcel Number

Primary APN	`00544810-000000`
Alternative APNs	`22613900544810000000` `1668320`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,100 sqft Living Area
1st Floor Area	1,100 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2005
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Reinforced Concrete
Roof Material	Other
Lot Area	6,300 sqft (0.144 acres)
Lot Dimensions	105 ft deep x 60 ft wide
Porch	Open Porch
Porch Area	200 sqft
Patio Area	121 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1668320
Old Parcel Number	22613900544810000000
Street Address	1015 GIBRALTAR RD
City	KEY LARGO
State	FL
Zip	33037-4608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 8 LT 19 BAHIA MAR EST PB4-79 KEY LARGO OR633-78 OR787-923 OR806-227 OR808-2469 OR808-2470 OR907-1820 OR1037-656/57C/T
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	BAHIA MAR ESTATES
Legal Block	8
Legal Lot Number	19
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2008
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 5, 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	1015 GIBRALTAR RD, KEY LARGO, FL 33037-4608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2020	Loan Modification, Mortgage · Conventional Mortgage JOSEPH J OLIVEROS
Aug 1, 2019	Warranty Deed, Transfer LANDMARK TITLE, LANDMARK TITLE AGENCY
Jul 22, 2019	Deed of Trust, Mortgage · Conventional with PMI JOSEPH J OLIVEROS
Mar 28, 2019	Warranty Deed, Transfer · Conventional with PMI GUEST THERESA K FAMILY TR (RT)
Mar 28, 2019	Correction Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019 · Amount on Record
Deed Sale	Aug 1, 2019 · Amount on Record
Prior Sale	Mar 28, 2019 · Amount on Record
Deed Document Number	2230887
Deed Book / Page	2977 / 1897
Record Updated	Jun 8, 2026

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	1015 GIBRALTAR RD, KEY LARGO, FL 33037-4608
Document Number	0030021415
Instrument Date	Jan 6, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 GIBRALTAR RD KEY LARGO FL 330374608, KEY LARGO, FL 33037-4608

Mortgage

Document Number	0030021415
Date	Jan 7, 2020
Book Page	003002/001415
Instrument	2250953

Lender

Name	JOSEPH J OLIVEROS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 1, 2019
Property Address	1015 GIBRALTAR RD, KEY LARGO, FL 33037-4608
Document Number	0029771897
Book / Page	002977 / 001897
Instrument Date	Jul 30, 2019
Instrument	2230887
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	LANDMARK TITLE, LANDMARK TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 371428 KEY LARGO FL 330371428, KEY LARGO, FL 33037-1428

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1015 GIBRALTAR RD, KEY LARGO, FL 33037-4608
Document Number	0029811663
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 GIBRALTAR RD KEY LARGO FL 330374608, KEY LARGO, FL 33037-4608

Mortgage

Document Number	0029811663
Date	Aug 26, 2019
Book Page	002981/001663
Instrument	2234132

Lender

Name	JOSEPH J OLIVEROS
Address	94050 OVERSEAS HWY, TAVERNIER, FL 33070

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Aug 25, 2029

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 28, 2019
Property Address	1015 GIBRALTAR RD, KEY LARGO, FL 33037-4608
Document Number	0029552067
Book / Page	002955 / 002067
Instrument Date	Mar 27, 2019
Instrument	2212969
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1682 ANGEL AVE MERRITT ISLAND FL 329522705, MERRITT ISLAND, FL 32952-2705

Mortgage

Document Number	29552068
Date	Mar 28, 2019
Book Page	002955/002068
Instrument	2212970

Lender

Name	GUEST THERESA K FAMILY TR (RT)
Address	2105 S TROPICAL TRL, MERRITT ISLAND, FL 32952-4047

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	24 Months
Due	Mar 27, 2021

March 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	MONROE FL
Recording Date	Mar 28, 2019
Property Address	1015 GIBRALTAR RD, KEY LARGO, FL 33037-4608
Document Number	0029552078
Book / Page	002955 / 002078
Instrument Date	May 19, 1988
Instrument	2212971
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 622 CAPE CANAVERAL FL 329200622, CAPE CANAVERAL, FL 32920-0622

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		$266,642 (+5.99%)	$471,896 (+11.11%) Land $285,012 Building $186,884
2024	$2,268.00 (+6.53%)
2023	$2,129.00 (+6.13%) Homeowner's exemption	$251,581 (+3%)	$424,715 (+17.19%) Land $277,830 Building $146,885
2022	$2,006.00 Homeowner's exemption	$244,254	$362,416 Land $215,460 Building $146,956

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

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 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	Hurricane Irma, Sep 2017 · 91 claims Hurricane Irene, Oct 1999 · 31 claims Hurricane Georges, Sep 1998 · 11 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 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.

Internet Providers

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

1015 Gibraltar Rd, Key Largo, FL 33037 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2020: Loan Modification, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2019: Correction Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Gibraltar Rd

Nearby Streets

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