14 Janet Pl, Key Largo, FL 33037 Property Records

Monroe County property record for 14 Janet Pl, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,608 sqft · built 2021
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$605,000 (Dec 2021)
Tax Bill	$5,333 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00458140-000100`

Property Details

APN / Parcel Number

Primary APN	`00458140-000100`
Alternative APN	`9104440`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,608 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,000 sqft (0.114 acres)
Porch	Open Porch
Porch Area	280 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	9104440
Street Address	14 JANET PL
City	KEY LARGO
State	FL
Zip	33037-4509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 14 LT 6 LARGO GARDENS PB4-38 KEY LARGO OR203-257 OR392-721 OR427-1068 OR607-875 OR612-848 OR621-757 OR694-533 OR698-858
Legal Subdivision	LARGO GARDENS
Legal Block	14
Legal Lot Number	6
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2011
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

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

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

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	14 JANET PL, KEY LARGO, FL 33037-4509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 9, 2021 · Amount on File
Deed Sale	Dec 9, 2021 · Amount on File
Prior Sale	Apr 19, 2010
Deed Document Number	2352088
Deed Book / Page	3142 / 547
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 9, 2021
Property Address	14 JANET PL, KEY LARGO, FL 33037-4509
Document Number	0031420547
Book / Page	3142 / 547
Map Reference	MB 4 PG 38
Instrument Date	Dec 9, 2021
Instrument	2352088
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 ABACO RD, KEY LARGO, FL 33037-5002

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14 JANET PL, KEY LARGO, FL 33037-4509

Mortgage

Document Number	0003142551
Date	Dec 9, 2021
Instrument	3142/551

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

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		$564,886 (+5.99%)	$624,614 (+17.19%) Land $180,000 Building $444,614
2024	$5,333.00 (+3.33%)
2023	$5,161.00 (+15.59%) Homeowner's exemption	$532,977 (+16.2%) Land $137,500 Building $395,477	$532,977 (+16.2%) Land $137,500 Building $395,477
2022	$4,465.00 Homeowner's exemption	$458,654 Land $137,500 Building $321,154	$458,654 Land $137,500 Building $321,154

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Hurricane Irma, Sep 2017 · 91 claims Hurricane Irene, Oct 1999 · 31 claims Hurricane Georges, Sep 1998 · 11 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 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.

Internet Providers

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