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1118 Heron Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 1118 Heron Rd, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,656 sqft · built 1975
Lot Size0.161 acres (7,020 sqft)
OwnerIndividual Name on File
Last Sale$1,825,000 (Aug 2022)
Tax Bill$13,809 (2024)
Deeds & MortgagesAug 2022 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00485580-000000

Property Details

APN / Parcel Number

Primary APN00485580-000000
Alternative APNs
  • 13623800485580000000
  • 1595161

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,656 sqft Living Area
1st Floor Area1,656 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 2018
Exterior MaterialCombination
Construction TypeWood
Foundation TypePile
Roof TypeReinforced Concrete
Roof MaterialOther
Lot Area7,020 sqft (0.161 acres)
Garage TypeCarport
CarportCarport

Exterior Amenities

Pool TypePublic / Commercial Pool
PorchOpen Porch
Porch Area1,413 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1595161
Old Parcel Number13623800485580000000
Street Address1118 HERON RD
CityKEY LARGO
StateFL
Zip33037-3818
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 4 LT 9 LIME GROVE ESTS SECTION 1 KEY LARGO PB5-54 OR514-606 OR827-1327Q/C OR1541-1491 OR2022-1982 OR3187-1868
Legal Range38E
Legal Township62S
Legal Section13
Legal SubdivisionLIME GROVE ESTATE SEC 1
Legal Block4
Legal Lot Number9
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2004
Census Tract970600

Owner

1118 Heron Rd is owned and occupied by an individual who bought it in August 2022.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address1118 HERON RD, KEY LARGO, FL 33037-3818
OccupancyOwner Occupied
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 SaleAug 4, 2022 · Amount on File
Deed SaleAug 4, 2022 · Amount on File
Prior SaleJul 9, 2004 · Amount on File
Deed Document Number2386528
Deed Book / Page3187 / 1868
Record UpdatedJun 8, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateAug 4, 2022
Property Address1118 HERON RD, KEY LARGO, FL 33037-3818
Document Number0031871868
Book / Page3187 / 1868
Map ReferenceMB 5 PG 54
Instrument DateAug 2, 2022
Instrument2386528
Transaction TypeTransfer
Record UpdatedAug 31, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$12,775.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1151 NE 90TH ST, 1151, MIAMI, FL 33138-3449

Transferred To (Grantee/Buyer)

NameVerified Name
Address1118 HERON RD, KEY LARGO, FL 33037-3818

Mortgage

Document Number0031871870
DateAug 4, 2022
Book Page3187/1870
Instrument2386529
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2052

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$1,699,092 Land $1,213,776 Building $485,316$1,699,092 Land $1,213,776 Building $485,316
2024$13,809.00 (+3.98%)
2023$13,281.00 (+92.59%)$1,576,168 (+59.08%) Land $1,167,812 Building $408,356$1,576,168 (+59.08%) Land $1,167,812 Building $408,356
2022$6,896.00$990,811 Land $680,940 Building $309,871$990,811 Land $680,940 Building $309,871

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

Flood

FEMA maps place 1118 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 425 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies957 units insured
incl. 532 condo units
Nearby Flood Claims227 (1982–2022)
Claims Outside the SFHA13 of 227
Most Recent ClaimSep 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

Wildfire risk around 1118 Heron Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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

ProviderMax 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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