12 Janet Pl, Key Largo, FL 33037 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,654 sqft · built 2020
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$699,000 (Dec 2022)
Tax Bill	$5,381 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2022 Transfer + 3 more
Flood Zone	Zone AE (high risk)
APN	`00458140-000000`

Property Details

APN / Parcel Number

Primary APN	`00458140-000000`
Alternative APNs	`22613900458140000000` `1561681`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,654 sqft Living Area
1st Floor Area	1,654 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	154 sqft
Deck Area	300 sqft
Patio Area	846 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1561681
Street Address	12 JANET PL
City	KEY LARGO
State	FL
Zip	33037-4509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK 14 LT 7 LARGO GARDENS PB4-38 KEY LARGO OR203-257/58 OR392-721 OR427-1068/69 OR607-875 OR612-848 OR621-757 OR694-533 OR698-858 OR1269-952 OR2652-1086/87 OR2652-59/60 OR2652-61/62 OR2958-715 OR2966-87 OR3071-1664 OR3182-0149 OR3205-2375
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	LARGO GARDENS
Legal Block	14
Legal Lot Number	7
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

12 Janet Pl is owned by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 FISHERMANS TRL, KEY LARGO, FL 33037-4237
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 22, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 29, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 27, 2021	Warranty Deed, Transfer · VA Mortgage SOUTH STATE BANK NA
May 23, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Apr 10, 2019	Warranty Deed, Transfer SUNSHINE TITLE/THE KEYS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2022 · Amount on File
Deed Sale	Dec 22, 2022 · Amount on File
Prior Sale	Jan 27, 2021 · Amount on File
Deed Document Number	20222401445
Deed Book / Page	3205 / 2375
Prior Transfer Date	Jun 28, 2022
Prior Transfer Doc	0031820149
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 22, 2022
Property Address	12 JANET PL, KEY LARGO, FL 33037-4509
Document Number	0032052375
Book / Page	3205 / 2375
Map Reference	MB 4 PG 38
Instrument Date	Dec 12, 2022
Instrument	2401445
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,893.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 VALENCIA DR, ISLAMORADA, FL 33036-3315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 FISHERMANS TRL, KEY LARGO, FL 33037-4237

Mortgage

Document Number	0032052377
Date	Dec 22, 2022
Instrument	3205/2377

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

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 29, 2022
Property Address	12 JANET PL, KEY LARGO, FL 33037-4509
Document Number	0031820149
Book / Page	3182 / 149
Map Reference	MB 4 PG 38
Instrument Date	Jun 29, 2022
Instrument	2381883
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 JANET PL, 12, KEY LARGO, FL 33037-4509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 JANET PL, KEY LARGO, FL 33037-4509

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 27, 2021
Property Address	12 JANET PL, KEY LARGO, FL 33037-4509
Document Number	0030711664
Book / Page	3071 / 1664
Map Reference	MB 4 PG 38
Instrument Date	Jan 26, 2021
Instrument	2301324
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 ABACO RD, 20, KEY LARGO, FL 33037-5002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 JANET PL, KEY LARGO, FL 33037-4509

Mortgage

Document Number	0030711666
Date	Jan 27, 2021
Instrument	3071/1666

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 23, 2019
Property Address	12 JANET PL, KEY LARGO, FL 33037-4509
Document Number	0029660085
Book / Page	002966 / 000085
Instrument Date	May 22, 2019
Instrument	2221617
Transaction Type	Transfer
Record Updated	Jul 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 ABACO RD KEY LARGO FL 330375002, KEY LARGO, FL 33037-5002

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 10, 2019
Property Address	12 JANET PL, KEY LARGO, FL 33037-4509
Document Number	0029580715
Book / Page	002958 / 000715
Instrument Date	Apr 3, 2019
Instrument	2214854
Transaction Type	Transfer
Record Updated	May 31, 2019
Title Company	SUNSHINE TITLE/THE KEYS INC

Transaction

Amount	Amount on Record
Tax	$1,162.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 ABACO RD KEY LARGO FL 330375002, KEY LARGO, FL 33037-5002

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		$604,262 Land $180,000 Building $424,262	$604,262 Land $180,000 Building $424,262
2024	$5,381.00 (+11.36%)
2023	$4,832.00 (+18.61%)	$514,945 (+18.24%) Land $137,500 Building $377,445	$514,945 (+18.24%) Land $137,500 Building $377,445
2022	$4,074.00	$435,516 Land $137,500 Building $298,016	$435,516 Land $137,500 Building $298,016

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

Flood

FEMA maps place 12 Janet Pl 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 12 Janet Pl is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% 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 371 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

12 Janet Pl, Key Largo, FL 33037 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2022: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Janet Pl

Nearby Streets

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