113 la Paloma Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 113 la Paloma Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,972 sqft · built 1975
Lot Size	0.154 acres (6,738 sqft)
Owner	2 Individual Names on File
Last Sale	$753,000 (May 2019)
Tax Bill	$8,390 (2024)
Deeds & Mortgages	Aug 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00547060-000000`

Property Details

APN / Parcel Number

Primary APN	`00547060-000000`
Alternative APNs	`22613900547060000000` `1670537`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,972 sqft Living Area
1st Floor Area	980 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,738 sqft (0.154 acres)
Porch	Open Porch
Porch Area	1,940 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1670537
Old Parcel Number	22613900547060000000
Street Address	113 LA PALOMA RD
City	KEY LARGO
State	FL
Zip	33037-4621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 6 LT 35 WINSTON WATERWAYS #2 KEY LARGO PB5-29 OR567-510 OR743-273 OR818-483 OR818-485 OR818-487 OR818-489 OR836-19
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	WINSTON WATERWAYS NO 2
Legal Block	6
Legal Lot Number	35
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

113 la Paloma Rd is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	113 LA PALOMA RD, KEY LARGO, FL 33037-4621
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
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
May 20, 2019	Warranty Deed, Transfer · Conventional Mortgage COLUMBUS CAP LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on File
Deed Sale	May 20, 2019 · Amount on File
Deed Document Number	2220922
Deed Book / Page	2965 / 0555
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	113 LA PALOMA RD, KEY LARGO, FL 33037-4621
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 LA PALOMA RD, KEY LARGO, FL 33037-4621

Mortgage

Document Number	0031190094
Date	Aug 12, 2021
Book Page	3119/94
Instrument	2334807

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 20, 2019
Property Address	113 LA PALOMA RD, KEY LARGO, FL 33037-4621
Document Number	0029650555
Book / Page	002965 / 000555
Instrument Date	May 16, 2019
Instrument	2220922
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	HOME SWEET HOME TITLE LLC, HOME SWEET HM TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,271.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	113 LA PALOMA RD KEY LARGO FL 330374621, KEY LARGO, FL 33037-4621

Mortgage

Document Number	29650557
Date	May 20, 2019
Book Page	002965/000557
Instrument	2220923

Lender

Name	COLUMBUS CAP LNDG
Type	Funding / Finance Company
Address	MIAMI, FL 33176

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2049

Mortgage

Document Number	29650569,
Date	May 20, 2019
Book Page	002965/000569
Instrument	2220924

Lender

Name	GEORGIA'S OWN CU
Type	Credit Union
Address	ATLANTA, GA 30348

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$1,258,711 Land $734,442 Building $524,269	$1,258,711 Land $734,442 Building $524,269
2024	$8,390.00 (+5.68%)
2023	$7,939.00 (+11.85%)	$1,045,138 (+9.27%) Land $643,479 Building $401,659	$1,045,138 (+9.27%) Land $643,479 Building $401,659
2022	$7,098.00	$956,508 Land $549,147 Building $407,361	$956,508 Land $549,147 Building $407,361

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

Flood

FEMA maps place 113 la Paloma 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 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

Wildfire risk around 113 la Paloma 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 142 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

Cell Coverage

5G (outdoors only) and 4G LTE

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