13 Gulf Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 13 Gulf Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,434 sqft · built 1998
Lot Size	0.148 acres (6,481 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Jul 2019)
Tax Bill	$5,473 (2024)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00529190-000000`

Property Details

APN / Parcel Number

Primary APN	`00529190-000000`
Alternative APNs	`28613900529190000000` `1648426`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,434 sqft Living Area
1st Floor Area	1,434 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,481 sqft (0.148 acres)
Garage Area	464 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	600 sqft
Deck Area	72 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1648426
Old Parcel Number	28613900529190000000
Street Address	13 GULF DR
City	KEY LARGO
State	FL
Zip	33037-2514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 28 LT 1 AMD PLAT OF PB3-62 KEY LARGO PARK KEY LARGO OR152-27 OR834-642 OR878-2094 OR1102-1240 OR1180-1241 OR2237-517
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	KEY LARGO PARK AMD
Legal Block	28
Legal Lot Number	1
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1014
Census Tract	970500

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

Source: Monroe County records, as of December 5, 2025

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
Co-owner	Co-owner on Record
Mailing Address	1609 BELLEVUE BLVD N, BELLEVUE, NE 68005-4039
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2019 · Amount on Record
Deed Sale	Jul 12, 2019 · Amount on Record
Prior Sale	Sep 13, 2006 · Amount on Record
Deed Document Number	2228477
Deed Book / Page	2974 / 2175
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 12, 2019
Property Address	13 GULF DR, KEY LARGO, FL 33037-2514
Document Number	0029742175
Book / Page	2974 / 2175
Map Reference	MB 3 PG 62
Instrument Date	Jun 17, 2019
Instrument	2228477
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	GULF STREAM TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 PIGEON DR, 23, KEY LARGO, FL 33037-3024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 GULF DR, KEY LARGO, FL 33037-2514

Mortgage

Document Number	0029742177
Date	Jul 12, 2019
Instrument	2974-2177

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$622,296 (+5.99%) Land $273,557 Building $348,739	$622,296 (+5.99%) Land $273,557 Building $348,739
2024	$5,473.00 (+8.18%)
2023	$5,059.00 (+7.96%)	$587,117 (+0.06%) Land $259,160 Building $327,957	$587,117 (+0.06%) Land $259,160 Building $327,957
2022	$4,686.00	$586,773 Land $259,160 Building $327,613	$586,773 Land $259,160 Building $327,613

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

Flood

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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 177 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	204 units insured incl. 27 condo units
Nearby Flood Claims	50 (1984–2025)
Claims Outside the SFHA	8 of 50
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Wilma, Oct 2005 · 20 claims Hurricane Georges, Sep 1998 · 9 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 222 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

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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