12 Cindy Pl, Key Largo, FL 33037 Property Records

Monroe County property record for 12 Cindy Pl, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,092 sqft · built 2005
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$329,000 (Jul 2017)
Tax Bill	$2,705 (2024)
Deeds & Mortgages	Jul 2017 Sale & Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00457900-000000`

Property Details

APN / Parcel Number

Primary APN	`00457900-000000`
Alternative APNs	`22613900457900000000` `1561452`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	40 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1561452
Street Address	12 CINDY PL
City	KEY LARGO
State	FL
Zip	33037-4541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK 13 LT 7 LARGO GARDENS PB4-38 KEY LARGO OR354-1/2 OR1806-1619 OR2112-1170 OR2112-1171/71 OR2112-1173/74 OR2112/1175/76 OR2215-1416 OR2493-1088/1104F/J OR2585-67/68C/T OR2644-2070/71 RO2703-234/35 OR2833-531 OR2864-131
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	LARGO GARDENS
Legal Block	13
Legal Lot Number	7
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2011
Census Tract	970400

Owner

Source: Monroe County records · APN 00457900-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	12 CINDY PL, KEY LARGO, FL 33037-4541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2017	Warranty Deed, Transfer · Conventional Mortgage IBERIABANK
Jan 03, 2017	Warranty Deed, Transfer ISLAND EQUITY R/E

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 11, 2017 · Amount on Record
Deed Sale	Jul 11, 2017 · Amount on Record
Prior Sale	Dec 22, 2014 · Amount on Record
Deed Document Number	20172130821
Deed Book / Page	2864 / 131
Prior Transfer Date	Sep 15, 2014
Prior Transfer Doc	0027030234
Record Updated	Jun 08, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 11, 2017
Property Address	12 CINDY PL, KEY LARGO, FL 33037-4541
Document Number	0028640131
Book / Page	2864 / 0131
Map Reference	MB4 PG38
Instrument Date	Jul 06, 2017
Instrument	2130821
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ABSOLUTE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,303.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101621 OVERSEAS HWY, 101621, KEY LARGO, FL 33037-4585

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CINDY PL, KEY LARGO, FL 33037-4541

Mortgage

Document Number	0002130822
Date	Jul 11, 2017
Instrument	2130822

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2047

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 03, 2017
Property Address	12 CINDY PL, KEY LARGO, FL 33037-4541
Document Number	0028330531
Book / Page	002833 / 000531
Instrument Date	Dec 30, 2016
Instrument	2105231
Transaction Type	Transfer
Record Updated	Feb 17, 2017
Title Company	ABSOLUTE FIRST TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	101621 OVERSEAS HWY KEY LARGO FL 330374585, KEY LARGO, FL 33037-4585

Mortgage

Document Number	28330533
Date	Jan 03, 2017
Book Page	002833/000533
Instrument	2105233

Lender

Name	ISLAND EQUITY R/E
Type	Funding / Finance Company
Address	TAVERNIER, FL 33070

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Jan 02, 2019

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$298,354 (+2.9%)	$451,853 (+4.27%) Land $198,000 Building $253,853
2024	$2,705.00 (+5.38%) Senior Citizen's exemption	$289,946 (+3%)	$433,362 (+16.42%) Land $178,750 Building $254,612
2023	$2,567.00 (+5.29%) Senior Citizen's exemption	$281,501 (+3%)	$372,248 (-0.72%) Land $151,250 Building $220,998
2022	$2,438.00 Senior Citizen's exemption	$273,302	$374,954 Land $151,250 Building $223,704

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 371 locations within half a mile of this property.

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