Monroe County property record for 104 Andros Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 7,379 sqft · built 2020 |
| Lot Size | 0.328 acres (14,270 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $24,000,000 (Jan 2026) |
| Tax Bill | $97,189 (2025) |
| Deeds & Mortgages | Aug 2026 Transfer Jul 2026 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00570420-000000 |
| Primary APN | 00570420-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 7,379 sqft Living Area |
| Gross Area | 9,410 sqft |
| 1st Floor Area | 2,315 sqft |
| Flooring | Marble |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 14,270 sqft (0.328 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 2,031 sqft |
| Porch | Florida Room |
| Porch Area | 24 sqft |
| Patio Area | 2,028 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1703702 |
|---|---|
| Street Address | 104 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 13 OCEAN REEF PLAT NO 1 AMD KEY LARGO PB5-72 AND ADJ PARCEL OF LAND OR288-152/153 OR665-743 OR661-873/877 OR661-878 OR767-110D/C OR769-568 OR769-571 OR921-905 OR1529-1054/1055 OR1534-784/785 OR1534-786/795 OR1865-1589/1590 OR1865-1591/1592 O |
| Legal Range | 41E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | OCEAN REEF NO 1 AMD |
| Legal Block | 10 |
| Legal Lot Number | 13 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3054 |
| Census Tract | 972700 |
Source: Monroe County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 104 ANDROS RD, KEY LARGO, FL 33037-5204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 24, 2026 | Correction Deed NONE LISTED ON DOCUMENT |
| Jul 8, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 9, 2026 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 2026 · Amount on Record |
| Deed Sale | Jan 9, 2026 · Amount on Record |
| Prior Sale | Apr 18, 2016 · Amount on Record |
| Deed Document Number | 20262527920 |
| Deed Book / Page | 3361 / 1155 |
| Prior Transfer Date | Apr 30, 2004 |
| Prior Transfer Doc | 0001444030 |
| Record Updated | Oct 29, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 24, 2026 |
| Property Address | 104 ANDROS RD, KEY LARGO, FL 33037-5204 |
| Document Number | 0002557885 |
| Book / Page | 3399 / 881 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 20262557885 |
| Record Updated | Sep 1, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 104 ANDROS RD, KEY LARGO, FL 33037-5204 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 8, 2026 |
| Property Address | 104 ANDROS RD, KEY LARGO, FL 33037-5204 |
| Document Number | 0002550846 |
| Book / Page | 3390 / 2485 |
| Instrument Date | Jun 8, 2026 |
| Instrument | 20262550846 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 104 ANDROS RD, KEY LARGO, FL 33037-5204 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 9, 2026 |
| Property Address | 104 ANDROS RD, KEY LARGO, FL 33037-5204 |
| Document Number | 0033611155 |
| Book / Page | 3361 / 1155 |
| Map Reference | MB 5 PG 72 |
| Instrument Date | Jan 6, 2026 |
| Instrument | 2527920 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $16,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 189, GRANDVILLE, MI 49468-0189 |
| Name | Verified Name |
|---|---|
| Address | 104 ANDROS RD, KEY LARGO, FL 33037-5204 |
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 | $97,189.00 | $18,441,736 (+9.52%) Land $15,000,339 Building $3,441,397 | $18,441,736 (+9.52%) Land $15,000,339 Building $3,441,397 |
| 2023 | $84,930.00 (+23.05%) | $16,838,656 (+32.56%) Land $13,482,867 Building $3,355,789 | $16,838,656 (+32.56%) Land $13,482,867 Building $3,355,789 |
| 2022 | $69,018.00 | $12,702,698 Land $9,386,806 Building $3,315,892 | $12,702,698 Land $9,386,806 Building $3,315,892 |
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 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 Record 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.
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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