Monroe County property record for 128 1st Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,597 sqft · built 2002 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $225,000 (Jul 2002) |
| Tax Bill | $5,462 (2024) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00475490-000000 |
| Primary APN | 00475490-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,597 sqft Living Area |
| 1st Floor Area | 1,597 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Asphalt |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Open Porch |
| Porch Area | 188 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1582611 |
|---|---|
| Street Address | 128 1ST RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4843 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 8 LT 9 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR561-400 OR788-1163 OR1439-1483 OR1543-1114 OR1598-930 OR1729-920/21 OR1797-2417R/S OR2320-963/64Q/C OR2320-963/64Q/C |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 11 |
| Legal Subdivision | LARGO SOUND VILLAGE |
| Legal Block | 8 |
| Legal Lot Number | 9 |
| 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.
Source: Monroe County assessment roll, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 491 BARRACUDA BLVD, KEY LARGO, FL 33037-4746 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2002 · Amount on Record |
| Deed Sale | Jul 3, 2002 · Amount on Record |
| Prior Sale | Sep 20, 2001 · Amount on Record |
| Deed Book / Page | 1797 / 2417 |
| Last Transfer Date | Sep 12, 2007 |
| Transfer Doc | 0023200963 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 128 1ST RD, KEY LARGO, FL 33037-4843 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDLITY NATIONAL TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 491 BARRACUDA BLVD, KEY LARGO, FL 33037-4746 |
| Document Number | 0031562323 |
|---|---|
| Date | Feb 24, 2022 |
| Book Page | 3156/2323 |
| Instrument | 2362936 |
| Name | LADERA RANCH HOME LOANS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
Source: Monroe County assessment roll, as of December 8, 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 | $587,489 (-0.12%) Land $312,000 Building $275,489 | $587,489 (-0.12%) Land $312,000 Building $275,489 | |
| 2024 | $5,462.00 (+8.57%) | ||
| 2023 | $5,031.00 (+11.82%) | $588,215 (+10.74%) Land $330,000 Building $258,215 | $588,215 (+10.74%) Land $330,000 Building $258,215 |
| 2022 | $4,499.00 | $531,163 Land $270,000 Building $261,163 | $531,163 Land $270,000 Building $261,163 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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