Monroe County property record for 149 la Paloma Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,120 sqft · built 1987 |
| Lot Size | 0.151 acres (6,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $451,500 (Feb 2015) |
| Tax Bill | $7,062 (2024) |
| Deeds & Mortgages | Jan 2021 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00546970-000000 |
| Primary APN | 00546970-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,600 sqft (0.151 acres) |
| Lot Dimensions | 110 ft deep x 60 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,133 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1670448 |
|---|---|
| Old Parcel Number | 22613900546970000000 |
| Street Address | 149 LA PALOMA RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 6 LT 26 WINSTON WATERWAYS 2 KEY LARGO PB5-29 OR574-361 OR574-360 OR818-483 OR818-485 OR818-487 OR818-489 OR820-687 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | WINSTON WATERWAYS NO 2 |
| Legal Block | 6 |
| Legal Lot Number | 26 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2011 |
| 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.
149 la Paloma Rd is owned by an individual who acquired it in July 2020.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3209 KAREN DR, DELRAY BEACH, FL 33483-6205 |
| 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.
| Date | Document |
|---|---|
| Jan 7, 2021 | Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK |
| Jul 20, 2020 | Quit Claim Deed, Transfer FIRST ST BK/FL KEYS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 9, 2015 · Amount on File |
| Deed Sale | Feb 9, 2015 · Amount on File |
| Prior Sale | Feb 9, 2015 · Amount on File |
| Deed Document Number | 0027240080 |
| Deed Book / Page | 002724 / 000080 |
| Last Transfer Date | Jul 20, 2020 |
| Transfer Doc | 0030321248 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 149 LA PALOMA RD, KEY LARGO, FL 33037-4621 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 770 NE 36TH ST, BOCA RATON, FL 33431-6138 |
| Document Number | 0030672192 |
|---|---|
| Date | Jan 7, 2021 |
| Book Page | 3067/2192 |
| Instrument | 2298308 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34995 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Dec 21, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 20, 2020 |
| Property Address | 149 LA PALOMA RD, KEY LARGO, FL 33037-4621 |
| Document Number | 0030321248 |
| Book / Page | 003032 / 001248 |
| Instrument Date | Jul 13, 2020 |
| Instrument | 2273635 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2020 |
| Title Company | PROPERTY TRANSFER SERVICES INC, PROPERTY TRANSFER SVCS INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 770 NE 36TH ST BOCA RATON FL 334316138, BOCA RATON, FL 33431-6138 |
| Document Number | 30321250 |
|---|---|
| Date | Jul 20, 2020 |
| Book Page | 003032/001250 |
| Instrument | 2273636 |
| Name | FIRST ST BK/FL KEYS |
|---|---|
| Type | Bank |
| Address | KEY WEST, FL 33040 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jul 19, 2035 |
Source: Monroe County assessment roll, as of July 1, 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 | $983,432 Land $673,752 Building $309,680 | $983,432 Land $673,752 Building $309,680 | |
| 2024 | $7,062.00 (+5.72%) | ||
| 2023 | $6,680.00 (+12.53%) | $889,358 (+11.86%) Land $590,306 Building $299,052 | $889,358 (+11.86%) Land $590,306 Building $299,052 |
| 2022 | $5,936.00 | $795,064 Land $503,769 Building $291,295 | $795,064 Land $503,769 Building $291,295 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 149 la Paloma 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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 149 la Paloma 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 142 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 |
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