103 First Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 103 First Ave, Key Largo, FL 33037 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 2010
Square Footage	1,008 sqft Living Area
Lot Size	11,761 sqft (0.27 acres)
Occupancy	Owner Occupied
Last Sale	$305,000 (2013)
Tax Bill	$3,783.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`00090870-000000`
Alternative APNs	`06623900090870000000` `1103802`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Building Area	1,008 sqft Living Area
1st Floor	1,008 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Wood Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2010
Exterior Material	Stucco Exterior
Construction Type	Frame Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	11,761 sqft (0.27 acres)
Patio Area	18 sqft Patio
Porch	Open Porch
Porch Area	59 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Account Number	1103802
Street Address	103 FIRST AVE
City	KEY LARGO
State	FL
Zip	33037-4037
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	6 62 39 ISLAND OF KEY LARGO PB1-59 PT LOT 8 OR53-323 OR574-372 OR824-43 OR2190-228 OR2363-2025 OR2649-1487 OR2649-1488 OR3209-2242 OR3272-1599
Legal Range	39E
Legal Township	62S
Legal Section	06
Legal Subdivision	ISLAND KEY LARGO
Legal Lot Number	8
Jurisdiction	MONROE FL
Minor Civil Division	UPPER KEYS
Census Blockgroup	2
Census Block	2004
Census Tract	970600

Owner

Source: Monroe County records · APN 00090870-000000

Assessment roll updated December 8, 2025 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	103 FIRST AVE, KEY LARGO, FL 33037-4037
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 13, 2013 · Amount on Record
Deed Sale	Sep 13, 2013 · Amount on Record
Deed Doc Number	20131949831
Deed Book / Page	2649 / 1488
Last Transfer Date	May 08, 2023
Transfer Doc	0032721599
Record Refreshed	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	103 FIRST AVE, KEY LARGO, FL 33037-4037
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 FIRST AVE, KEY LARGO, FL 33037-4037

Mortgage

Document Number	0030610154
Date	Dec 07, 2020
Book Page	3061/154
Instrument	2293683

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,166,764 (+191.39%) Land $967,482 Building $199,282	$1,166,764 (+7.99%) Land $967,482 Building $199,282
2024	$3,783.00 (+4.39%)
2023	$3,624.00 (+5.56%) Homeowner's exemption	$400,407 (+3%)	$1,080,471 (+24.12%) Land $920,798 Building $159,673
2022	$3,433.00 Homeowner's exemption	$388,745	$870,536 Land $708,306 Building $162,230

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	9.0 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.