1314 Calder Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 1314 Calder Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 3,200 sqft · built 2018
Lot Size	0.13 acres (5,660 sqft)
Owner	2 Individual Names on File
Last Sale	$412,000 (Apr 2017)
Tax Bill	$12,579 (2024)
Deeds & Mortgages	Oct 2021 Transfer Feb 2019 Loan Modification + 3 more
Flood Zone	Zone VE (high risk)
APN	`00468472-009000`

Property Details

APN / Parcel Number

Primary APN	`00468472-009000`
Alternative APNs	`14613900468472009000` `1573540`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Stories	4 Stories
Building Area	3,200 sqft Living Area
1st Floor Area	672 sqft
Attic	Attic
Attic Area	726 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2020
Architectural Style	Mobile Home
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Concrete
Lot Area	5,660 sqft (0.13 acres)
View / Lot	Waterfront
Garage Type	Carport
Garage Area	726 sqft
Carport	Carport
Carport Area	726 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	310 sqft
Deck Area	220 sqft
Patio Area	1,782 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1573540
Street Address	1314 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 27 CROSS KEY WATERWAY ESTATES SECTION TWO KEY LARGO PB6-60 OR478-196 OR519-470 OR632-357 OR707-398 OR783-303 OR783-307/308 OR620-662 OR620-661 OR814-307 OR1091-496 OR2435-2227 OR2435-2228 OR2435-2229 OR2523-2144/45 OR2849-1043 OR2936-2070CE O
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	CROSS KEY WATERWAYS EST SEC 2
Legal Block	3
Legal Lot Number	27
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

1314 Calder Rd is owned and occupied by two individuals who acquired it in October 2021.

Source: Monroe County records, as of March 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1314 CALDER RD, KEY LARGO, FL 33037-2803
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 19, 2021	Quit Claim Deed, Transfer Quitclaim
Feb 15, 2019	Loan Modification, Mortgage CAPITAL BK
Jan 17, 2019	Loan Modification, Mortgage CAPITAL BK
Oct 11, 2018	Loan Modification, Mortgage CAPITAL BK
Apr 17, 2017	Warranty Deed, Transfer · ARM CAPITAL BANK CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2017 · Amount on File
Deed Sale	Apr 17, 2017 · Amount on File
Prior Sale	Jun 29, 2011 · Amount on File
Deed Document Number	20172119006
Deed Book / Page	2849 / 1043
Last Transfer Date	Oct 18, 2021
Transfer Doc	0031321089
Record Updated	Sep 20, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Oct 19, 2021
Property Address	1314 CALDER RD, KEY LARGO, FL 33037-2803
Document Number	0031321089
Book / Page	3132 / 1089
Map Reference	MB 6 PG 60
Instrument Date	Aug 31, 2021
Instrument	2344651
Transaction Type	Transfer
Record Updated	Jul 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2003 N 46TH AVE, 2003, HOLLYWOOD, FL 33021-4119

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1314 CALDER RD, KEY LARGO, FL 33037-2803

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	1314 CALDER RD, KEY LARGO, FL 33037-2803
Document Number	0029501139
Instrument Date	Feb 15, 2019
Transaction Type	Mortgage
Record Updated	Mar 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1314 CALDER RD KEY LARGO FL 330372803, KEY LARGO, FL 33037-2803

Mortgage

Document Number	0029501139
Date	Feb 25, 2019
Book Page	002950/001139
Instrument	2208008

Lender

Name	CAPITAL BK
Type	Bank
Address	FORT MYERS, FL 33966

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 24, 2049

Interest

Rate Type	Fixed Rate
Rate	4.75%

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	1314 CALDER RD, KEY LARGO, FL 33037-2803
Document Number	0029470911
Instrument Date	Jan 17, 2019
Transaction Type	Mortgage
Record Updated	Mar 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1314 CALDER RD KEY LARGO FL 330372803, KEY LARGO, FL 33037-2803

Mortgage

Document Number	0029470911
Date	Feb 4, 2019
Book Page	002947/000911
Instrument	2204424

Lender

Name	CAPITAL BK
Type	Bank
Address	FORT MYERS, FL 33966

Agreement

Amount	Amount on Record

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	1314 CALDER RD, KEY LARGO, FL 33037-2803
Document Number	0029380068
Instrument Date	Oct 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 10, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1314 CALDER RD KEY LARGO FL 330372803, KEY LARGO, FL 33037-2803

Mortgage

Document Number	0029380068
Date	Nov 28, 2018
Book Page	002938/000068
Instrument	2196133

Lender

Name	CAPITAL BK
Type	Bank
Address	FORT MYERS, FL 33966

Agreement

Amount	Amount on Record

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 17, 2017
Property Address	1314 CALDER RD, KEY LARGO, FL 33037-2803
Document Number	0028491043
Book / Page	2849 / 1043
Map Reference	MB6 PG60
Instrument Date	Apr 11, 2017
Instrument	2119006
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	CORAL TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,884.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2003 N 46TH AVE, 2003, HOLLYWOOD, FL 33021-4119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2003 N 46TH AVE, HOLLYWOOD, FL 33021-4119

Mortgage

Document Number	0002119007
Date	Apr 17, 2017
Instrument	2119007

Lender

Name	CAPITAL BANK CORPORATION
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	373 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	May 1, 2021
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

Tax Assessment & Valuation

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		$1,612,437	$1,930,645 Land $980,595 Building $950,050
2024	$12,579.00 (+3.04%)
2023	$12,208.00 (+9.84%) Homeowner's exemption	$1,521,355 (+6.07%)	$1,649,533 (+8.5%) Land $799,334 Building $850,199
2022	$11,114.00 Homeowner's exemption	$1,434,318	$1,520,318 Land $713,160 Building $807,158

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

Flood

FEMA maps place 1314 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	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 1314 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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