116 Andros Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 116 Andros Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 6,351 sqft · built 1995
Lot Size	0.654 acres (28,475 sqft)
Owner	Trust Name on File
Last Sale	$690,000 (Nov 1982)
Tax Bill	$30,266 (2025)
Deeds & Mortgages	Sep 2022 Transfer Sep 2022 Transfer
Flood Zone	Zone VE (high risk)
APN	`00570270-000000`

Property Details

APN / Parcel Number

Primary APN	`00570270-000000`
Alternative APNs	`07594100570270000000` `1703559`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	6,351 sqft Living Area
Gross Area	8,023 sqft
1st Floor Area	6,351 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Exterior Material	Other
Construction Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	28,475 sqft (0.654 acres)
View / Lot	Canal/Waterfront
Garage Type	Attached
Garage Area	1,672 sqft

Exterior Amenities

Pool Area	600 sqft
Porch	Slab
Porch Area	645 sqft
Patio Area	4,155 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1703559
Street Address	116 ANDROS RD
City	KEY LARGO
State	FL
Zip	33037-5204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 10 LT 1 OCEAN REEF PLAT 1 AMD KEY LARGO PB5-72 AND ADJ LAND TO THE EAST OF LT 1 OR288-513 OR423-540/41 OR688-515 OR773-1678 OR868-1954/55 OR2671-1692/94Q/C OR3193-0404 OR3193-0407
Legal Range	41E
Legal Township	59S
Legal Section	07
Legal Subdivision	OCEAN REEF NO 1 AMD
Legal Block	10
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3054
Census Tract	972700

Owner

116 Andros Rd is owner-occupied and held in a trust since September 2022.

Source: Monroe County records, as of May 4, 2026

Owner of Record	Trust Name on File
Mailing Address	116 ANDROS RD, KEY LARGO, FL 33037-5204
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Sep 7, 2022	Intrafamily Transfer, Transfer ATTORNEY
Sep 7, 2022	Intrafamily Transfer, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 1982 · Amount on File
Deed Sale	Nov 1, 1982 · Amount on File
Prior Sale	Oct 1, 1978 · Amount on File
Deed Book / Page	868 / 1954
Last Transfer Date	Sep 4, 2022
Transfer Doc	0031930407
Record Updated	Sep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Sep 7, 2022
Property Address	116 ANDROS RD, KEY LARGO, FL 33037-5204
Document Number	0031930404
Book / Page	3193 / 404
Map Reference	MB 5 PG 72
Instrument Date	Sep 4, 2022
Instrument	2390567
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 ANDROS RD, 116, KEY LARGO, FL 33037-5204

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	116 ANDROS RD, KEY LARGO, FL 33037-5204

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Sep 7, 2022
Property Address	116 ANDROS RD, KEY LARGO, FL 33037-5204
Document Number	0031930407
Book / Page	3193 / 407
Map Reference	MB 5 PG 72
Instrument Date	Sep 1, 2022
Instrument	2390568
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 ANDROS RD, 116, KEY LARGO, FL 33037-5204

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	116 ANDROS RD, KEY LARGO, FL 33037-5204

Tax Assessment & Valuation

The 2025 property tax bill for 116 Andros Rd was $30,266 with a homeowner's exemption, up 3.7% from the year before.

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	$30,266.00 (+3.7%) Homeowner's exemption	$4,448,021	$14,488,870 Land $12,881,805 Building $1,607,065
2024	$29,186.00 (+2.07%)
2023	$28,594.00 (+4.76%) Homeowner's exemption	$4,196,762 (+3%)	$13,173,950 (+36.37%) Land $11,583,345 Building $1,590,605
2022	$27,295.00 Homeowner's exemption	$4,074,527	$9,660,312 Land $8,045,042 Building $1,615,270

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

Flood

FEMA maps place 116 Andros Rd in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 838 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured incl. 747 condo units
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 73 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 116 Andros 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

Cell Coverage

4G LTE only, no 5G reported

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