Monroe County property record for 11 Halfway Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 5,050 sqft · built 1973 |
| Lot Size | 0.461 acres (20,062 sqft) |
| Owner | Company Name on Record |
| Last Sale | $2,910,000 (Apr 2006) |
| Tax Bill | $27,295 (2024) |
| Deeds & Mortgages | Aug 2022 Mortgage Aug 2022 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00572221-004000 |
| Primary APN | 00572221-004000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 5,050 sqft Living Area |
| Gross Area | 5,242 sqft |
| 1st Floor Area | 5,050 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 20,062 sqft (0.461 acres) |
| Garage Type | Attached |
| Garage Area | 192 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 2,412 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1706191 |
|---|---|
| Street Address | 11 HALFWAY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 20 LT 11 GRAYVIK EXTENSION - OCEAN REEF PLAT NO 2 KEY LARGO PB6-28 OR564-982 OR900-1417 OR900-1404/1405 OR945-1490Q/C OR1058-1461/62 OR1576-1348/50 OR1726-1947/1949 OR2202-937/38 OR2932-0111 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 12 |
| Legal Subdivision | GRAYVIK EXT O.R. #2 |
| Legal Block | 20 |
| Legal Lot Number | 11 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 972700 |
Source: Monroe County records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 209 BURLINGTON RD, BEDFORD, MA 01730-1457 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Aug 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NORTHERN BANK & TRUST CO |
| Aug 19, 2022 | Deed of Trust, Mortgage · Commercial Mortgage NORTHERN BANK & TRUST CO |
| Mar 15, 2019 | Loan Modification, Mortgage · Line of Credit BANK OF NEW ENGLAND |
| Oct 17, 2018 | Warranty Deed, Transfer · Line of Credit BANK OF NEW ENGLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2006 · Amount on Record |
| Deed Sale | Apr 20, 2006 · Amount on Record |
| Prior Sale | Sep 21, 2001 · Amount on Record |
| Deed Document Number | 20061577155 |
| Deed Book / Page | 2202 / 937 |
| Last Transfer Date | Oct 11, 2018 |
| Transfer Doc | 0029320111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 11 HALFWAY RD, KEY LARGO, FL 33037-3714 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0031900088 |
|---|---|
| Date | Aug 18, 2022 |
| Book Page | 3190/88 |
| Instrument | 2388226 |
| Name | NORTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | WOBURN, MA 01801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Sep 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 1-Year CMT |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 11 HALFWAY RD, KEY LARGO, FL 33037-3714 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 73 BLOOD RD, HOLLIS, NH 03049 |
| Document Number | 0031901010 |
|---|---|
| Date | Aug 19, 2022 |
| Book Page | 3190/1010 |
| Instrument | 2388555 |
| Name | NORTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | WOBURN, MA 01801 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 11 HALFWAY RD, KEY LARGO, FL 33037-3714 |
| Document Number | 0029540282 |
| Instrument Date | Mar 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 209 BURLINGTON RD BEDFORD MA 017301422, BEDFORD, MA 01730-1422 |
| Document Number | 0029540282 |
|---|---|
| Date | Mar 18, 2019 |
| Book Page | 002954/000282 |
| Instrument | 2211358 |
| Name | BANK OF NEW ENGLAND |
|---|---|
| Type | Bank |
| Address | 31 PELHAM RD, SALEM, NH 03079-4892 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Mar 17, 2021 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 17, 2018 |
| Property Address | 11 HALFWAY RD, KEY LARGO, FL 33037-3714 |
| Document Number | 0029320111 |
| Book / Page | 002932 / 000111 |
| Instrument Date | Oct 11, 2018 |
| Instrument | 2190923 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 209 BURLINGTON RD BEDFORD MA 017301422, BEDFORD, MA 01730-1422 |
| Document Number | 29320114 |
|---|---|
| Date | Oct 17, 2018 |
| Book Page | 002932/000114 |
| Instrument | 2190924 |
| Name | BANK OF NEW ENGLAND |
|---|---|
| Type | Bank |
| Address | 31 PELHAM RD, SALEM, NH 03079-4892 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Oct 16, 2021 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,813,110 (+13.15%) Land $4,887,103 Building $926,007 | $5,813,110 (+13.15%) Land $4,887,103 Building $926,007 | |
| 2024 | $27,295.00 (+6.21%) | ||
| 2023 | $25,698.00 (+32.99%) | $5,137,736 (+53.76%) Land $4,237,094 Building $900,642 | $5,137,736 (+53.76%) Land $4,237,094 Building $900,642 |
| 2022 | $19,323.00 | $3,341,331 Land $2,431,514 Building $909,817 | $3,341,331 Land $2,431,514 Building $909,817 |
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 | 10.0 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 | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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