Monroe County property record for 124 1st Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,385 sqft · built 2008 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $346,000 (Aug 2020) |
| Tax Bill | $3,021 (2024) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00475510-000000 |
| Primary APN | 00475510-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,385 sqft Living Area |
| 1st Floor Area | 1,384 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 5,500 sqft (0.126 acres) |
| Lot Dimensions | 100 ft deep x 55 ft wide |
| Porch | Enclosed Porch |
| Porch Area | 214 sqft |
| Fence | Fence |
| Heating System | Forced Air |
|---|
| Account Number | 1582638 |
|---|---|
| Old Parcel Number | 11613900475510000000 |
| Street Address | 124 1ST RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4843 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 8 LT 11 LESS THE SW LY 5FT LARGO SOUND VILLAGE KEY LARGO PB4-92 OR404-258/59 OR927-2313 OR927-2314D/C OR927-2315/2316AFF |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 11 |
| Legal Subdivision | LARGO SOUND VILLAGE |
| Legal Block | 8 |
| Legal Lot Number | 11 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 972700 |
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.
124 1st Rd is owned and occupied by two individuals who bought it in August 2020.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 124 1ST RD, KEY LARGO, FL 33037-4843 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2020 · Amount on File |
| Deed Sale | Aug 13, 2020 · Amount on File |
| Deed Document Number | 2277024 |
| Deed Book / Page | 3037 / 636 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 13, 2020 |
| Property Address | 124 1ST RD, KEY LARGO, FL 33037-4843 |
| Document Number | 0030370636 |
| Book / Page | 003037 / 000636 |
| Instrument Date | Aug 3, 2020 |
| Instrument | 2277024 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2020 |
| Title Company | FIRST INT'L TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,422.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17 ATLANTIC BLVS #A KEY LARGO FL 33037, A, KEY LARGO, FL 33037 |
| Document Number | 30370638 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | 003037/000638 |
| Instrument | 2277025 |
| Name | EAST COAST MTG LNDRS |
|---|---|
| Type | Mortgage Company |
| Address | PALM CITY, FL 34990 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 12, 2050 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $327,791 | $414,467 Land $173,316 Building $241,151 | |
| 2024 | $3,021.00 (+4.97%) | ||
| 2023 | $2,878.00 (+5.31%) Homeowner's exemption | $309,275 (+3%) | $418,899 (+7.83%) Land $183,315 Building $235,584 |
| 2022 | $2,733.00 Homeowner's exemption | $300,267 | $388,489 Land $149,985 Building $238,504 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 124 1st Rd in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 2017.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 225 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 225 in force |
| Nearby Flood Claims | 29 (2017–2023) |
| Most Recent Claim | Nov 2023 · rainfall accumulation |
| Claims by Event |
|
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 risk around 124 1st 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 99.8% of the US · lower than 99.7% 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.
Source: FCC Broadband Data Collection, based on 131 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 |
May also be available: T-Mobile.
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