145 1st Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 145 1st Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,581 sqft · built 2019
Lot Size	0.15 acres (6,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$629,500 (Jul 2020)
Tax Bill	$5,477 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00475400-000000`

Property Details

APN / Parcel Number

Primary APN	`00475400-000000`
Alternative APNs	`11613900475400000000` `1582522`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,581 sqft Living Area
Attic	Attic
Attic Area	385 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,530 sqft (0.15 acres)
Garage Type	Covered
Garage Area	385 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1582522
Street Address	145 1ST RD
City	KEY LARGO
State	FL
Zip	33037-4843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BU-1
Legal Description	BK 7 LT 25 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR146-493 OR1005-1023 OR1032-1966 OR1113-1486 OR1120-1275 OR1138-505 OR1269-2242 OR1314-210 OR1554-1034 OR1601-1887 OR1632-1685 OR2642-1595 OR3035-0233 OR3268-2114
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	7
Legal Lot Number	25
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1039
Census Tract	972700

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 September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	145 1ST RD, KEY LARGO, FL 33037-4843
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Balloon Mortgage NONE LISTED ON DOCUMENT
Jul 31, 2020	Warranty Deed, Transfer · Conventional Mortgage DIRECT MTG INVTRS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2020 · Amount on Record
Deed Sale	Jul 31, 2020 · Amount on Record
Prior Sale	Aug 1, 2013 · Amount on Record
Deed Document Number	20202275412
Deed Book / Page	3035 / 233
Last Transfer Date	May 21, 2025
Transfer Doc	0033271055
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Recording Date	Sep 18, 2026
Property Address	145 1ST RD, KEY LARGO, FL 33037-4843
Document Number	0002560975
Book / Page	3402 / 2390
Instrument Date	Aug 31, 2026
Instrument	20262560975
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 1ST RD, KEY LARGO, FL 33037-4843

Mortgage

Document Number	0002560975,
Date	Sep 18, 2026
Book Page	3402/2390
Instrument	20262560975

Lender

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Balloon
Rate	7%
Initial Type	Balloon
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 31, 2020
Property Address	145 1ST RD, KEY LARGO, FL 33037-4843
Document Number	0030350233
Book / Page	003035 / 000233
Instrument Date	Jul 30, 2020
Instrument	2275412
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	COASTAL TITLE AND CLOSING SERVICES I, COASTAL TITLE & CLOSING SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,407.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 1ST RD KEY LARGO FL 33037, KEY LARGO, FL 33037

Mortgage

Document Number	30350235
Date	Jul 31, 2020
Book Page	003035/000235
Instrument	2275413

Lender

Name	DIRECT MTG INVTRS INC
Address	OAK LAWN, IL 60453

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2050

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	$5,477.00 (+4.74%)	$616,046 (+5.99%)	$804,516 (+0.89%) Land $322,582 Building $481,934
2024	$5,229.00 (+3.81%)
2023	$5,037.00 (+5.98%) Homeowner's exemption	$581,248 (+3%)	$797,395 (+7.74%) Land $341,193 Building $456,202
2022	$4,753.00 Homeowner's exemption	$564,319	$740,085 Land $279,158 Building $460,927

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 225 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	225 in force
Nearby Flood Claims	29 (2017–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 28 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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 131 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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