116 Coco Plum Rd S, Key Largo, FL 33037 Property Records

Monroe County property record for 116 Coco Plum Rd S, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,208 sqft · built 1944
Lot Size	1.32 acres (57,700 sqft)
Owner	2 Trust Names on File
Last Sale	$100 (Feb 2012)
Tax Bill	$5,293 (2025)
Deeds & Mortgages	Aug 2026 Transfer Sep 2021 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`00090550-000000`

Property Details

APN / Parcel Number

Primary APN	`00090550-000000`
Alternative APNs	`05623900090550000000` `1103438`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,208 sqft Living Area
Gross Area	4,072 sqft
1st Floor Area	2,468 sqft
Flooring	Ceramic Tile
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 2023
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	57,700 sqft (1.32 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	864 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	875 sqft
Patio Area	42 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1103438
Street Address	116 COCO PLUM RD S
City	KEY LARGO
State	FL
Zip	33037-4127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	5 62 39 ISLAND OF KEY LARGO BAY BOTTOM SELY & ADJ TO PT LOT 2 PB1-59 G50-172 OR228-43/44 OR237-332 OR415-696/97 OR830-226/27 OR894-1753/54 OR1074-1053/54 OR1340-2347/48 OR1403-2456/57 OR1704-1672/74 OR2556-1698/1700
Legal Range	39E
Legal Township	62S
Legal Section	05
Legal Subdivision	GEORGE MAC DONALDS
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2048
Census Tract	970500

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

116 Coco Plum Rd S is owner-occupied and held in a trust since February 2012.

Source: Monroe County records, as of August 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	116 COCO PLUM RD S, KEY LARGO, FL 33037-4127
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living 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
Aug 20, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 17, 2021	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2012 · Amount on File
Deed Sale	Feb 22, 2012 · Amount on File
Prior Sale	May 14, 2001 · Amount on File
Deed Book / Page	2556 / 1698
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Aug 20, 2026
Property Address	116 COCO PLUM RD S, KEY LARGO, FL 33037-4127
Document Number	0002557369
Book / Page	3398 / 1786
Instrument Date	Jul 21, 2026
Instrument	20262557369
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	116 COCO PLUM RD S, KEY LARGO, FL 33037-4127

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	116 COCO PLUM RD S, KEY LARGO, FL 33037-4127
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 COCO PLUM RD S, KEY LARGO, FL 33037-4127

Mortgage

Document Number	0031260799
Date	Sep 17, 2021
Book Page	3126/799
Instrument	2340188

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 116 Coco Plum Rd S was $5,293 with a homeowner's exemption, up 4.7% 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	$5,293.00 (+4.73%) Homeowner's exemption	$591,175	$2,273,403 Land $1,290,238 Building $983,165
2024	$5,054.00 (+3.86%)
2023	$4,866.00 (+5.9%) Homeowner's exemption	$557,782 (+3%)	$1,977,052 (+32.74%) Land $1,302,644 Building $674,408
2022	$4,595.00 Homeowner's exemption	$541,536	$1,489,404 Land $812,626 Building $676,778

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

Flood

FEMA maps place 116 Coco Plum Rd S 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 595 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	839 units insured incl. 244 condo units
Nearby Flood Claims	304 (1983–2025)
Claims Outside the SFHA	8 of 304
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 221 claims Hurricane Irene, Oct 1999 · 24 claims Hurricane Georges, Sep 1998 · 24 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 Coco Plum Rd S is low, with 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	0.01% annual chance
Exposure	Direct burnable vegetation

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 57 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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