11 Janet Pl, Key Largo, FL 33037 Property Records

Monroe County property record for 11 Janet Pl, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,876 sqft · built 2016
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Mar 2009)
Tax Bill	$4,969 (2024)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00457990-000000`

Property Details

APN / Parcel Number

Primary APN	`00457990-000000`
Alternative APNs	`22613900457990000000` `1561541`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,876 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Covered
Garage Area	756 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1561541
Street Address	11 JANET PL
City	KEY LARGO
State	FL
Zip	33037-4508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK 13 LT 16 LARGO GARDENS PB4-38 KEY LARGO OR489-440 OR801-810 OR803-1640 OR847-1622 OR893-1968 OR905-1386 OR1210-1383 OR1701-1053 OR2101-1915 OR2154-2277 OR2402-1910/11 OR2402-1912/13 OR2402-1914AFF OR2470-527/28
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	LARGO GARDENS
Legal Block	13
Legal Lot Number	16
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2011
Census Tract	970400

Historic Designation

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.

Owner

Source: Monroe County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	220 JAMES AVE, KEY LARGO, FL 33037-2630
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2009 · Amount on Record
Deed Sale	Mar 4, 2009 · Amount on Record
Prior Sale	Mar 4, 2009
Deed Document Number	20091733101
Deed Book / Page	2402 / 1912
Prior Transfer Date	Feb 25, 2009
Prior Transfer Doc	0024021912
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	11 JANET PL, KEY LARGO, FL 33037-4508
Document Number	0030530234
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 JAMES AVE KEY LARGO FL 330372630, KEY LARGO, FL 33037-2630

Mortgage

Document Number	0030530234
Date	Oct 27, 2020
Book Page	003053/000234
Instrument	2288202

Lender

Name	FRANCISCO & MARIA SUAREZ
Address	6480 SW 120TH AVE, MIAMI, FL 33183-2724

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$666,850 (+36.51%) Land $180,000 Building $486,850	$666,850 (+36.51%) Land $180,000 Building $486,850
2024	$4,969.00 (+11.36%)
2023	$4,462.00 (+7.65%)	$488,490 (-0.75%) Land $137,500 Building $350,990	$488,490 (-0.75%) Land $137,500 Building $350,990
2022	$4,145.00	$492,184 Land $137,500 Building $354,684	$492,184 Land $137,500 Building $354,684

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Irma, Sep 2017 · 91 claims Hurricane Irene, Oct 1999 · 31 claims Hurricane Georges, Sep 1998 · 11 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 371 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