1108 Heron Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 1108 Heron Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,469 sqft · built 1967
Lot Size	0.161 acres (7,020 sqft)
Owner	Individual Name on File
Last Sale	$224,900 (Jun 2021)
Tax Bill	$6,655 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2022 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`00485530-000000`

Property Details

APN / Parcel Number

Primary APN	`00485530-000000`
Alternative APNs	`13623800485530000000` `1595128`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,469 sqft Living Area
1st Floor Area	1,044 sqft
Basement Area	1,166 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1967
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,020 sqft (0.161 acres)
View / Lot	Canal

Exterior Amenities

Pool Area	300 sqft
Porch	Florida Room
Porch Area	1,188 sqft
Patio Area	196 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1595128
Street Address	1108 HERON RD
City	KEY LARGO
State	FL
Zip	33037-3818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 4 LT 4 LIME GROVE ESTS SECTION 1 KEY LARGO PB5-54 OR490-874 OR1118-994 OR1188-672 OR1240-2072 OR2519-395 OR2519-399 OR2572-1041 OR2572-1043 OR2723-1122 OR2849-1653 V
Legal Range	38E
Legal Township	62S
Legal Section	13
Legal Subdivision	LIME GROVE ESTATE SEC 1
Legal Block	4
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
Census Tract	970600

Owner

1108 Heron Rd is owned and occupied by an individual who bought it in June 2021.

Source: Monroe County records, as of April 27, 2026

Owner of Record	Individual Name on File
Mailing Address	1108 HERON RD, KEY LARGO, FL 33037-3818
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Line of Credit WE FLORIDA FINANCIAL
Jun 10, 2022	Deed of Trust, Mortgage · Line of Credit WE FLORIDA FINANCIAL
Jun 22, 2021	Quit Claim Deed, Transfer · FHA Mortgage MAGNOLIA BANK
Apr 18, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2021 · Amount on File
Deed Sale	Jun 22, 2021 · Amount on File
Prior Sale	May 31, 2012 · Amount on File
Deed Document Number	20212326499
Deed Book / Page	3107 / 850
Prior Transfer Date	May 24, 2021
Prior Transfer Doc	0031070850
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Apr 14, 2026
Property Address	1108 HERON RD, KEY LARGO, FL 33037-3818
Document Number	0002539430
Book / Page	3375 / 2284
Instrument Date	Apr 8, 2026
Instrument	20262539430
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 HERON RD, KEY LARGO, FL 33037-3818

Mortgage

Document Number	0002539430,
Date	Apr 14, 2026
Book Page	3375/2284
Instrument	20262539430

Lender

Name	WE FLORIDA FINANCIAL

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 13, 2046

Interest

Rate	6.11%
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1108 HERON RD, KEY LARGO, FL 33037-3818
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 HERON RD, KEY LARGO, FL 33037-3818

Mortgage

Document Number	0031782134
Date	Jun 10, 2022
Book Page	3178/2134
Instrument	2379370

Lender

Name	WE FLORIDA FINANCIAL
Type	Funding / Finance Company
Address	POMPANO BEACH, FL 33063

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Jul 7, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jun 22, 2021
Property Address	1108 HERON RD, KEY LARGO, FL 33037-3818
Document Number	0031070850
Book / Page	3107 / 850
Map Reference	MB 5 PG 54
Instrument Date	May 24, 2021
Instrument	2326499
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$1,574.30
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14910 SW 15TH ST, PEMBROKE PINES, FL 33027-2333

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 HERON RD, KEY LARGO, FL 33037-3818

Mortgage

Document Number	0031020650
Date	Jun 2, 2021
Book Page	3102/650
Instrument	2322896

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	HODGENVILLE, KY 42748

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Apr 18, 2017
Property Address	1108 HERON RD, KEY LARGO, FL 33037-3818
Document Number	0028491653
Book / Page	002849 / 001653
Instrument Date	Apr 12, 2017
Instrument	2119128
Transaction Type	Transfer
Record Updated	Jun 13, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5001 SW 201ST TER SW RANCHES FL 03332, RANCHES, FL 03332

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		$799,205	$1,508,745 Land $1,213,776 Building $294,969
2024	$6,655.00 (-46.22%)
2023	$12,374.00 (+49.44%)	$1,461,868 (+48.89%) Land $1,167,812 Building $294,056	$1,461,868 (+48.89%) Land $1,167,812 Building $294,056
2022	$8,280.00	$981,865 Land $680,940 Building $300,925	$981,865 Land $680,940 Building $300,925

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

Flood

FEMA maps place 1108 Heron Rd in Zone AE, a high-risk 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 425 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	957 units insured incl. 532 condo units
Nearby Flood Claims	227 (1982–2022)
Claims Outside the SFHA	13 of 227
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 156 claims Hurricane Irene, Oct 1999 · 11 claims Hurricane Georges, Sep 1998 · 30 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 1108 Heron Rd 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 Risk	Not 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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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