Monroe County property record for 1304 Calder Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,440 sqft · built 2022 |
| Lot Size | 0.223 acres (9,700 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,980 (2024) |
| Flood Zone | Zone VE (high risk) |
| APN | 00468472-008600 |
| Primary APN | 00468472-008600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,622 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Mobile Home |
| Exterior Material | Combination |
| Construction Type | Metal Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 9,700 sqft (0.223 acres) |
| View / Lot | Waterfront |
| Garage Type | Covered |
| Garage Area | 1,632 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 296 sqft |
| Deck Area | 792 sqft |
| Patio Area | 96 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1573515 |
|---|---|
| Street Address | 1304 CALDER RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 3 LT 23 CROSS KEY WATERWAY ESTATES SECTION TWO KEY LARGO PB6-60 OR478-196 OR586-799/800 OR617-946/47C OR721-644/55 OR723-697/08 OR848-2135/36 OR947-2265 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | CROSS KEY WATERWAYS EST SEC 2 |
| Legal Block | 3 |
| Legal Lot Number | 23 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3000 |
| 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.
1304 Calder Rd is owned by two individuals who acquired it in September 2024.
Source: Monroe County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 67 COCO PLUM DR, MARATHON, FL 33050-4069 |
| Owner Type | Individual |
| Vesting | Life Estate |
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 Transfer Date | Sep 17, 2024 |
| Transfer Doc | 0033010765 |
| Record Updated | Sep 20, 2026 |
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 | $353,342 | $1,628,845 Land $1,296,405 Building $332,440 | |
| 2024 | $2,980.00 (-40.96%) | ||
| 2023 | $5,047.00 (+83.26%) Disabled Person's exemption Veteran's exemption | $612,724 (+89.31%) | $1,665,004 (+57.53%) Land $1,374,975 Building $290,029 |
| 2022 | $2,754.00 Disabled Person's exemption Veteran's exemption | $323,670 | $1,056,938 Land $942,840 Building $114,098 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1304 Calder Rd in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 281 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 299 units insured incl. 18 condo units |
| Nearby Flood Claims | 163 (1992–2024) |
| Claims Outside the SFHA | 3 of 163 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| Claims by Event |
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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.
The area around 1304 Calder Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 416 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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