1305 Calder Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 1305 Calder Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,852 sqft · built 2009
Lot Size	0.151 acres (6,586 sqft)
Owner	2 Individual Names on File
Last Sale	$1,840,000 (Aug 2026)
Tax Bill	$6,570 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00468472-008100`

Property Details

APN / Parcel Number

Primary APN	`00468472-008100`
Alternative APNs	`14613900468472008100` `1573469`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	4 Stories
Building Area	1,852 sqft Living Area
1st Floor Area	1,816 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Geodesic/Dome
Roof Material	Concrete
Lot Area	6,586 sqft (0.151 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	1,107 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	3,115 sqft
Patio Area	1,976 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1573469
Street Address	1305 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 18 CROSS KEY WATERWAY ESTATES SECTION TWO KEY LARGO PB6-60 OR478-196 OR568-904 OR1130-280 OR1200-117 OR1238-1481 OR1916-2072 OR2911-1864D/C OR2913-2000/01 OR3022-1694
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	CROSS KEY WATERWAYS EST SEC 2
Legal Block	3
Legal Lot Number	18
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3000
Census Tract	970400

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

1305 Calder Rd is owned and occupied by two individuals who bought it in August 2026.

Source: Monroe County records, as of August 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1305 CALDER RD, KEY LARGO, FL 33037-2803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Warranty Deed, Transfer · Conventional Mortgage JMAC LENDING
May 15, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	May 15, 2020 · Amount on File
Deed Document Number	20262556792
Deed Book / Page	3398 / 94
Prior Transfer Date	Oct 14, 2002
Prior Transfer Doc	0001387852
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 17, 2026
Property Address	1305 CALDER RD, KEY LARGO, FL 33037-2803
Document Number	0002556792
Book / Page	3398 / 94
Instrument Date	Aug 14, 2026
Instrument	20262556792
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	ADVANCE PARTNERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300,880.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 CALDER RD, KEY LARGO, FL 33037-2803

Mortgage

Document Number	0002556793,
Date	Aug 17, 2026
Instrument	20262556793

Lender

Name	JMAC LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 15, 2020
Property Address	1305 CALDER RD, KEY LARGO, FL 33037-2803
Document Number	0030221694
Book / Page	3022 / 1694
Map Reference	MB 6 PG 60
Instrument Date	Apr 29, 2020
Instrument	2266280
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ABSOLUTE FIRST TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,859.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9803 NW 71ST ST, 9803, TAMARAC, FL 33321-1911

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 CALDER RD, KEY LARGO, FL 33037-2803
Investor	Possibly a Property Investor

Mortgage

Document Number	0030221696
Date	May 15, 2020
Instrument	3022/1696

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jun 26, 2018
Property Address	1305 CALDER RD, KEY LARGO, FL 33037-2803
Document Number	0029132000
Book / Page	002913 / 002000
Instrument Date	Jun 21, 2018
Instrument	2175324
Transaction Type	Transfer
Record Updated	Jul 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	PO BOX 378436 KEY LARGO FL 330378436, KEY LARGO, FL 33037-8436

Tax Assessment & Valuation

The 2025 property tax bill for 1305 Calder Rd was $6,570 with a homeowner's exemption, up 4.8% from the year before.

Source: Monroe County assessment roll, as of December 8, 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	$6,570.00 (+4.8%) Homeowner's exemption	$751,825	$1,394,145 Land $658,600 Building $735,545
2024	$6,269.00 (+3.55%)
2023	$6,054.00 (+6.12%) Homeowner's exemption	$709,357 (+3%)	$1,258,860 (+16.81%) Land $658,600 Building $600,260
2022	$5,705.00 Homeowner's exemption	$688,697	$1,077,743 Land $526,880 Building $550,863

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1305 Calder Rd in Zone AE, a high-risk 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 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	Hurricane Irma, Sep 2017 · 29 claims Hurricane Wilma, Oct 2005 · 96 claims Hurricane Georges, Sep 1998 · 12 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

The area around 1305 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.

Internet Providers

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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