Monroe County property record for 1034 Gibraltar Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,948 sqft · built 1982 |
| Lot Size | 0.12 acres (5,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $285,600 (Feb 2018) |
| Tax Bill | $4,507 (2024) |
| Deeds & Mortgages | Dec 2019 Mortgage Feb 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 00545170-000000 |
| Primary APN | 00545170-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,948 sqft Living Area |
| 1st Floor Area | 1,948 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,250 sqft (0.12 acres) |
| Lot Dimensions | 105 ft deep x 50 ft wide |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 626 sqft |
| Patio Area | 360 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1668681 |
|---|---|
| Old Parcel Number | 22613900545170000000 |
| Street Address | 1034 GIBRALTAR RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4666 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 10 LT 8 BAHIA MAR EST PB4-79 KEY LARGO OR402-926 OR778-274 OR1006-1895 OR1282-1055 OR1319-764/65F/J OR1329-2180 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | BAHIA MAR ESTATES |
| Legal Block | 10 |
| Legal Lot Number | 8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2000 |
| 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 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1034 GIBRALTAR RD, KEY LARGO, FL 33037-4666 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PARADISE BANK |
| Feb 12, 2018 | Special Warranty Deed, Transfer · FHA Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Jul 21, 2017 | Trustee's Deed, Foreclosure |
| Aug 16, 2017 | Trustee's Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2018 · Amount on Record |
| Deed Sale | Feb 12, 2018 · Amount on Record |
| Prior Sale | Aug 16, 2017 |
| Deed Document Number | 2155127 |
| Deed Book / Page | 2891 / 1660 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 1034 GIBRALTAR RD, KEY LARGO, FL 33037-4666 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030002263 |
|---|---|
| Date | Dec 26, 2019 |
| Book Page | 3000/2263 |
| Instrument | 2249683 |
| Name | PARADISE BANK |
|---|---|
| Type | Bank |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 12, 2018 |
| Property Address | 1034 GIBRALTAR RD, KEY LARGO, FL 33037-4666 |
| Document Number | 0028911660 |
| Book / Page | 2891 / 1660 |
| Instrument Date | Feb 5, 2018 |
| Instrument | 2155127 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | PREMIUM TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,999.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1661J LWOTHINGTON AROA S100, 1661J, WEST PALM BEACH, FL 33409 |
| Name | Verified Name |
|---|---|
| Address | 419 3RD ST # LARGO, LARGO, KEY LARGO, FL 33037-4828 |
| Document Number | 0002155128 |
|---|---|
| Date | Feb 12, 2018 |
| Instrument | 2155128 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 21, 2017 |
| Property Address | 1034 GIBRALTAR RD, KEY LARGO, FL 33037-4666 |
| Document Number | 0028651331 |
| Book / Page | 002865 / 001331 |
| Instrument Date | Jul 17, 2017 |
| Instrument | 2132180 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 9, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1034 GIBRALTAR RD KEY LARGO FL 330374666, KEY LARGO, FL 33037-4666 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 16, 2017 |
| Property Address | 1034 GIBRALTAR RD, KEY LARGO, FL 33037-4666 |
| Document Number | 0028691024 |
| Book / Page | 002869 / 001024 |
| Instrument Date | Jul 14, 2017 |
| Instrument | 2135386 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1034 GIBRALTAR RD KEY LARGO FL 330374666, KEY LARGO, FL 33037-4666 |
Source: Monroe County assessment roll, as of July 1, 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 | $536,795 (+5.42%) | $554,935 (+4.89%) Land $273,000 Building $281,935 | |
| 2024 | $4,507.00 (+7.05%) | ||
| 2023 | $4,210.00 (+8.87%) Homeowner's exemption | $509,206 (+7.18%) | $529,052 (+11.35%) Land $257,250 Building $271,802 |
| 2022 | $3,867.00 Homeowner's exemption | $475,107 Land $199,500 Building $275,607 | $475,107 Land $199,500 Building $275,607 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 305 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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