Monroe County property record for 13 Cindy Pl, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,215 sqft · built 2006 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $181,000 (Dec 2008) |
| Tax Bill | $2,802 (2024) |
| Deeds & Mortgages | Apr 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 00457800-000000 |
| Primary APN | 00457800-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,215 sqft Living Area |
| 1st Floor Area | 1,215 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Wood |
| 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 | 191 sqft |
| Deck Area | 20 sqft |
| Patio Area | 20 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1561363 |
|---|---|
| Street Address | 13 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 12 LT 15 LARGO GARDENS KEY LARGO PB4-38 OR639-737 OR2149-2125Q/C OR2153-1984AFF OR2153-1985 OR2162-1479 OR2229-120/21 OR2370-1195 OR2394-770/71 OR2816-2022/25 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | LARGO GARDENS |
| Legal Block | 12 |
| Legal Lot Number | 15 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 970400 |
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 records, as of May 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 13 CINDY PL, KEY LARGO, FL 33037-4541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 2008 · Amount on Record |
| Deed Sale | Dec 31, 2008 · Amount on Record |
| Prior Sale | Jul 8, 2008 |
| Deed Document Number | 20081724959 |
| Deed Book / Page | 2394 / 770 |
| Last Transfer Date | Sep 12, 2016 |
| Transfer Doc | 0028162022 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 29, 2026 |
| Property Address | 13 CINDY PL, KEY LARGO, FL 33037-4541 |
| Document Number | 0002541635 |
| Book / Page | 3378 / 1477 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 20262541635 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 13 CINDY PL, KEY LARGO, FL 33037-4541 |
| Document Number | 0002541635, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 3378/1477 |
| Instrument | 20262541635 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | May 1, 2066 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
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 | $300,641 (+5.99%) | $453,357 (+19.11%) Land $198,000 Building $255,357 | |
| 2024 | $2,802.00 (+5.22%) | ||
| 2023 | $2,663.00 (+5.22%) Homeowner's exemption | $283,660 (+3%) | $380,608 (-0.7%) Land $151,250 Building $229,358 |
| 2022 | $2,531.00 Homeowner's exemption | $275,399 | $383,278 Land $151,250 Building $232,028 |
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 |
|---|---|
| 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 |
|
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 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.
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 |
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