Monroe County property record for 1041 Gibraltar Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,289 sqft · built 1985 |
| Lot Size | 0.121 acres (5,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $520,000 (Mar 2021) |
| Tax Bill | $5,297 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00544610-000000 |
| Primary APN | 00544610-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,289 sqft Living Area |
| 1st Floor Area | 2,289 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 5,250 sqft (0.121 acres) |
| Lot Dimensions | 105 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 529 sqft |
| Patio Area | 68 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1668133 |
|---|---|
| Street Address | 1041 GIBRALTAR RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 7 LT 19 BAHIA MAR EST PB4-79 KEY LARGO OR463-61/62 OR686-761 OR929-1133 OR989-2127 OR2077-2349 OR2120-571 OR2120-572 OR2120-573 OR2447-266 OR2484-1381 OR2529-144 OR3081-0209 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | BAHIA MAR ESTATES |
| Legal Block | 7 |
| Legal Lot Number | 19 |
| 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.
1041 Gibraltar Rd is owned and occupied by two individuals who bought it in March 2021.
Source: Monroe County records, as of September 29, 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 File |
|---|---|
| Mailing Address | 1041 GIBRALTAR RD, KEY LARGO, FL 33037-4667 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2023 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Mar 11, 2021 | Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2021 · Amount on File |
| Deed Sale | Mar 11, 2021 · Amount on File |
| Prior Sale | Aug 4, 2011 · Amount on File |
| Deed Document Number | 20212308093 |
| Deed Book / Page | 3081 / 209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 1041 GIBRALTAR RD, KEY LARGO, FL 33037-4667 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1041 GIBRALTAR RD, KEY LARGO, FL 33037-4667 |
| Document Number | 0032140628 |
|---|---|
| Date | Mar 3, 2023 |
| Book Page | 3214/628 |
| Instrument | 2408726 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 11, 2021 |
| Property Address | 1041 GIBRALTAR RD, KEY LARGO, FL 33037-4667 |
| Document Number | 0030810209 |
| Book / Page | 3081 / 209 |
| Map Reference | MB 4 PG 79 |
| Instrument Date | Feb 24, 2021 |
| Instrument | 2308093 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2021 HOLLY CREEK DR, 2021, TYLER, TX 75703-0961 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 325 CALUSA ST, KEY LARGO, FL 33037-2641 |
| Document Number | 0003081211 |
|---|---|
| Date | Mar 11, 2021 |
| Instrument | 3081/211 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 1041 Gibraltar Rd was $5,297 with a homeowner's exemption, up 4.7% from the year before.
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 | $5,297.00 (+4.75%) Homeowner's exemption | $595,013 | $628,521 Land $273,000 Building $355,521 |
| 2024 | $5,057.00 (+3.88%) | ||
| 2023 | $4,868.00 (+5.96%) Homeowner's exemption | $561,402 (+3%) | $593,744 (+8.93%) Land $257,250 Building $336,494 |
| 2022 | $4,594.00 Homeowner's exemption | $545,051 Land $199,500 Building $345,551 | $545,051 Land $199,500 Building $345,551 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1041 Gibraltar Rd in Zone X, an area of minimal flood risk, though there have been 161 flood claims nearby since 1992.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 1041 Gibraltar Rd is low, with a 0.06% annual chance of wildfire.
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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