Monroe County property record for 109 2nd Ln, Key Largo, FL 33037 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2011 |
| Square Footage | 1,368 sqft Living Area |
| Lot Size | 6,360 sqft (0.146 acres) |
| Garage | Covered, 324 sqft |
| Last Sale | $700,000 (2018) |
| Tax Bill | $4,935.00 (2024) |
| Primary APN | 00547211-000700 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,368 sqft Living Area |
| 1st Floor | 960 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Ceramic Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 6,360 sqft (0.146 acres) |
| Garage Type | Covered Garage |
| Garage Area | 324 sqft Garage |
| Porch Area | 768 sqft Porch |
| View | Canal View |
| Boat Access | Boat Access |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Account Number | 1670766 |
|---|---|
| Street Address | 109 2ND LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4647 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BK 7 LT 7 AMENDED PLAT OF WINSTON WATERWAYS NO 2 KEY LARGO PB6-27 OR432-243 OR544-73 OR776-472 OR1244-1368 OR1244-1376 OR1514-1150 OR1525-716 OR1528-1583 OR2740-2287 OR2930-2154 OR3113-1467 OR3238-0230 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | WINSTON WATERWAYS NO 2 AMD |
| Legal Block | 7 |
| Legal Lot Number | 7 |
| Jurisdiction | MONROE FL |
| Minor Civil Division | UPPER KEYS |
| Census Blockgroup | 2 |
| Census Block | 2011 |
| Census Tract | 970400 |
Source: Monroe County records · APN 00547211-000700
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1471 NE 9TH CT, HOMESTEAD, FL 33033-4511 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Aug 11, 2023 | Intrafamily Transfer, Transfer |
| Mar 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 09, 2018 | Warranty Deed, Transfer · Conventional Mortgage 1ST FINANCIAL INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 09, 2018 · Amount on Record |
| Deed Sale | Oct 09, 2018 · Amount on Record |
| Prior Sale | May 18, 2015 · Amount on Record |
| Deed Doc Number | 20189820 |
| Deed Book / Page | 2930 / 2154 |
| Last Transfer Date | Aug 07, 2023 |
| Transfer Doc | 0032380230 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 11, 2023 |
| Property Address | 109 2ND LN, KEY LARGO, FL 33037-4647 |
| Document Number | 0032380230 |
| Book / Page | 3238 / 230 |
| Map Reference | MB 6 PG 27 |
| Instrument Date | Aug 07, 2023 |
| Instrument | 2428198 |
| Transaction Type | Transfer |
| Record Updated | Sep 04, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 2ND LN, KEY LARGO, FL 33037-4647 |
| Name | Verified Name |
|---|---|
| Address | 109 2ND LN, KEY LARGO, FL 33037-4647 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 109 2ND LN, KEY LARGO, FL 33037-4647 |
| Transaction Type | Mortgage |
| Record Updated | Apr 08, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030831286 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 3083/1286 |
| Instrument | 2309841 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Apr 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 09, 2018 |
| Property Address | 109 2ND LN, KEY LARGO, FL 33037-4647 |
| Document Number | 0029302154 |
| Book / Page | 2930 / 2154 |
| Map Reference | MB6 PG27 |
| Instrument Date | Oct 05, 2018 |
| Instrument | 2189820 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,900.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1119 CORAL WAY, 1119, CORAL GABLES, FL 33134-4751 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 109 2ND LN, KEY LARGO, FL 33037-4647 |
| Document Number | 0002189821 |
|---|---|
| Date | Oct 09, 2018 |
| Instrument | 2189821 |
| Name | 1ST FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
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 | $579,148 (+5.99%) | $916,785 (+7.59%) Land $700,172 Building $216,613 | |
| 2024 | $4,935.00 (+3.92%) | ||
| 2023 | $4,749.00 (+5.93%) Homeowner's exemption | $546,434 (+3%) | $852,118 (+10.98%) Land $613,454 Building $238,664 |
| 2022 | $4,483.00 Homeowner's exemption | $530,519 | $767,794 Land $523,523 Building $244,271 |
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
| 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 | 8.0 ft |
| 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.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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