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1045 Adams Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 1045 Adams Dr, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,694 sqft · built 1981
Lot Size0.48 acres (20,926 sqft)
OwnerIndividual Name on File
Last Sale$2,500,000 (May 2023)
Tax Bill$19,793 (2024)
Deeds & MortgagesMay 2023 Sale
Flood ZoneZone VE (high risk)
APN00550990-000000

Property Details

APN / Parcel Number

Primary APN00550990-000000
Alternative APNs
  • 15613900550990000000
  • 1674460

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,694 sqft Living Area
1st Floor Area1,694 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 2010
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypePile
Roof TypeReinforced Concrete
Roof MaterialOther
Lot Area20,926 sqft (0.48 acres)
Garage Area352 sqft

Exterior Amenities

PorchOpen Porch
Porch Area1,129 sqft
Patio Area672 sqft
FenceFence
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1674460
Old Parcel Number15613900550990000000
Street Address1045 ADAMS DR
CityKEY LARGO
StateFL
Zip33037-2734
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 24 TWIN LAKES 1ST ADDN KEY LARGO PB5-68 OR810-835 OR1065-1799 OR2795-569 OR2854-1092 OR3227-0358
Legal Range39E
Legal Township61S
Legal Section15
Legal SubdivisionTWIN LAKES 1ST ADD
Legal Lot Number24
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3000
Census Tract970400

Owner

1045 Adams Dr is owned by an individual who bought it in May 2023.

Source: Monroe County records, as of December 5, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address7837 SW 117TH ST, PINECREST, FL 33156-4430
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 25, 2023 · Amount on File
Deed SaleMay 25, 2023 · Amount on File
Deed Document Number2419475
Deed Book / Page3227 / 358
Record UpdatedJun 8, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 25, 2023
Property Address1045 ADAMS DR, KEY LARGO, FL 33037-2734
Document Number0032270358
Book / Page3227 / 358
Map ReferenceMB 5 PG 68
Instrument DateMay 24, 2023
Instrument2419475
Transaction TypeTransfer
Record UpdatedJun 20, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$17,500.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8370 SW 2ND ST, MIAMI, FL 33144-2004

Transferred To (Grantee/Buyer)

NameVerified Name
Address1045 ADAS DRIVE, KEY LARGO, FL 33037-2734

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,571,331 Land $1,973,228 Building $598,103$2,571,331 Land $1,973,228 Building $598,103
2024$19,793.00 (+44.3%)
2023$13,717.00 (+14.2%)$2,102,761 (+14.34%) Land $1,647,844 Building $454,917$2,102,761 (+14.34%) Land $1,647,844 Building $454,917
2022$12,011.00$1,839,062 Land $1,468,935 Building $370,127$1,839,062 Land $1,468,935 Building $370,127

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1045 Adams Dr in Zone VE, a high-risk coastal 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 ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 281 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies299 units insured
incl. 18 condo units
Nearby Flood Claims163 (1992–2024)
Claims Outside the SFHA3 of 163
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Irma, Sep 2017 · 29 claims
  • Hurricane Wilma, Oct 2005 · 96 claims
  • Hurricane Georges, Sep 1998 · 12 claims

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

The area around 1045 Adams Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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