Monroe County property record for 103 Andros Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6 ba · 5,606 sqft · built 2018 |
| Lot Size | 0.32 acres (13,945 sqft) |
| Owner | Company Name on File |
| Last Sale | $19,500,000 (Nov 2021) |
| Tax Bill | $121,755 (2023) |
| Deeds & Mortgages | Nov 2021 Sale Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00570430-000000 |
| Primary APN | 00570430-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 5,606 sqft Living Area |
| Gross Area | 8,610 sqft |
| Flooring | Marble |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 13,945 sqft (0.32 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 3,004 sqft |
| Pool Area | 250 sqft |
| Porch | Florida Room |
| Porch Area | 2,007 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1703711 |
|---|---|
| Street Address | 103 ANDROS RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 10 LT 14 OCEAN REEF PLAT 1 AMD KEY LARGO PB5-72 OR623-199 OR653-624 OR754-96 OR864-1681 OR906-266/67 OR2576-1062 OR2596-916/17 OR2669-1388/93 OR2726-1739/41 OR2812-1985/87 OR2925-1769 OR3136-2407 |
| Legal Range | 41E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | OCEAN REEF NO 1 AMD |
| Legal Block | 10 |
| Legal Lot Number | 14 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3054 |
| Census Tract | 972700 |
103 Andros Rd is owned by a company that bought it in November 2021.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2806 RICHELIEU RUE, BELOEIL, QC J3G 0 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 10, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Oct 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE NORTHERN TRUST CO |
| Sep 6, 2018 | Grant Deed, Transfer BABCOCK KATHY J TRUST (PT) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 10, 2021 · Amount on File |
| Deed Sale | Nov 10, 2021 · Amount on File |
| Prior Sale | Sep 6, 2018 · Amount on File |
| Deed Document Number | 20212348093 |
| Deed Book / Page | 3136 / 2407 |
| Prior Transfer Date | Oct 5, 2012 |
| Prior Transfer Doc | 0025960916 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 10, 2021 |
| Property Address | 103 ANDROS RD, KEY LARGO, FL 33037-5204 |
| Document Number | 0031362407 |
| Book / Page | 3136 / 2407 |
| Map Reference | MB 5 PG 72 |
| Instrument Date | Nov 8, 2021 |
| Instrument | 2348093 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Estimated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5340 FAIRCHILD WAY, 5340, CORAL GABLES, FL 33156-3432 |
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 103 ANDROS RD, KEY LARGO, FL 33037-5204 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030490156 |
|---|---|
| Date | Oct 7, 2020 |
| Book Page | 3049/156 |
| Instrument | 2285170 |
| Name | THE NORTHERN TRUST CO |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60603 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | 10 Years |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.37% |
| Index | 1-Year LIBOR |
| Max Rate | 7.37% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 6, 2018 |
| Property Address | 103 ANDROS RD, KEY LARGO, FL 33037-5204 |
| Document Number | 0029251769 |
| Book / Page | 002925 / 001769 |
| Instrument Date | Sep 4, 2018 |
| Instrument | 2185526 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80,341.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5340 FAIRCHILD WAY CORAL GABLES FL 331563432, CORAL GABLES, FL 33156-3432 |
| Document Number | 29251773 |
|---|---|
| Date | Sep 6, 2018 |
| Book Page | 002925/001773 |
| Instrument | 2185527 |
| Name | BABCOCK KATHY J TRUST (PT) |
|---|---|
| Address | PO BOX 189, GRANDVILLE, MI 49468-0189 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Sep 5, 2038 |
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 | $20,437,509 Land $14,658,705 Building $5,778,804 | $20,437,509 Land $14,658,705 Building $5,778,804 | |
| 2023 | $121,755.00 (+19.25%) | $19,412,867 (+27.05%) Land $13,175,794 Building $6,237,073 | $19,412,867 (+27.05%) Land $13,175,794 Building $6,237,073 |
| 2022 | $102,104.00 | $15,279,906 Land $9,173,021 Building $6,106,885 | $15,279,906 Land $9,173,021 Building $6,106,885 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Andros Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 838 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 1,585 units insured incl. 747 condo units |
| Nearby Flood Claims | 78 (2005–2023) |
| Claims Outside the SFHA | 1 of 78 |
| 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.
Wildfire risk around 103 Andros Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within 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 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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