1126 Heron Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 1126 Heron Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,766 sqft · built 1976
Lot Size	0.218 acres (9,500 sqft)
Owner	Individual Name on File
Last Sale	$1,370,000 (Dec 2022)
Tax Bill	$9,786 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`00485620-000000`

Property Details

APN / Parcel Number

Primary APN	`00485620-000000`
Alternative APNs	`13623800485620000000` `1595209`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,766 sqft Living Area
1st Floor Area	1,330 sqft
Attic	Attic
Attic Area	518 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Geodesic/Dome
Roof Material	Concrete
Lot Area	9,500 sqft (0.218 acres)
View / Lot	Canal
Garage Type	Carport
Garage Area	518 sqft
Carport	Carport
Carport Area	518 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	1,084 sqft
Deck Area	390 sqft
Patio Area	1,000 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1595209
Street Address	1126 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 13 LIME GROVE ESTS SECTION 1 KEY LARGO PB5-54 OR679-197 OR801-2067 SEE M/L IN HX FILE OR979-2242 OR1354-1892/93TR/MT OR1511-2225/26 OR1948-140 OR2262-530 OR2523-702C/T OR2622-1326/27 OR2622-1328/29 OR3177-1561 OR3204-2036
Legal Range	38E
Legal Township	62S
Legal Section	13
Legal Subdivision	LIME GROVE ESTATE SEC 1
Legal Block	4
Legal Lot Number	13
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
Census Tract	970600

Owner

1126 Heron Rd is owned by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	4048 LONG LICK PIKE, STAMPING GROUND, KY 40379-9721
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
Dec 14, 2022	Warranty Deed, Transfer · Conventional Mortgage WHITAKER BANK INC
Jun 6, 2022	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2022 · Amount on File
Deed Sale	Dec 14, 2022 · Amount on File
Prior Sale	Apr 9, 2013 · Amount on File
Deed Document Number	20222400461
Deed Book / Page	3204 / 2036
Prior Transfer Date	May 19, 1995
Prior Transfer Doc	1354001892
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 14, 2022
Property Address	1126 HERON RD, KEY LARGO, FL 33037-3818
Document Number	0032042036
Book / Page	3204 / 2036
Map Reference	MB 5 PG 54
Instrument Date	Dec 13, 2022
Instrument	2400461
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 BRINY AVE APT 2603, 2603, POMPANO BEACH, FL 33062-5669

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4048 LONG LICK PIKE, STAMPING GROUND, KY 40379-9721
Investor	Possibly a Property Investor

Mortgage

Document Number	0032042038
Date	Dec 14, 2022
Instrument	3204/2038

Lender

Name	WHITAKER BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jun 6, 2022
Property Address	1126 HERON RD, KEY LARGO, FL 33037-3818
Document Number	0031771561
Book / Page	3177 / 1561
Map Reference	MB 5 PG 54
Instrument Date	Jun 3, 2022
Instrument	2378444
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1126 HERON RD, 1126, KEY LARGO, FL 33037-3818

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	1126 HERON RD, KEY LARGO, FL 33037-3818

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		$1,074,526 Land $709,864 Building $364,662	$1,074,526 Land $709,864 Building $364,662
2024	$9,786.00 (+2.31%)
2023	$9,565.00 (+125.43%)	$1,108,015 (+123.98%) Land $759,881 Building $348,134	$1,108,015 (+37.73%) Land $759,881 Building $348,134
2022	$4,243.00 Homeowner's exemption	$494,692	$804,490 Land $500,175 Building $304,315

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1126 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	8.0 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

Wildfire risk around 1126 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 Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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

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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