Monroe County property record for 157 la Paloma Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,075 sqft · built 1991 |
| Lot Size | 0.158 acres (6,908 sqft) |
| Owner | Company Name on File |
| Tax Bill | $4,195 (2024) |
| Deeds & Mortgages | Nov 2025 Sale Dec 2022 Line of Credit + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00546950-000000 |
| Primary APN | 00546950-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,075 sqft Living Area |
| 1st Floor Area | 1,075 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| 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 | 6,908 sqft (0.158 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 168 sqft |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 815 sqft |
| Patio Area | 80 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1670421 |
|---|---|
| Old Parcel Number | 22613900546950000000 |
| Street Address | 157 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 24 WINSTON WATERWAYS NO 2 KEY LARGO PB5-29 OR511-762 OR818-483 OR818-485 OR818-487 OR818-489 OR975-597R/S OR1569-1359 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | WINSTON WATERWAYS NO 2 |
| Legal Block | 6 |
| Legal Lot Number | 24 |
| 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.
157 la Paloma Rd is owned by a company that acquired it in November 2025 and is owner-occupied.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 815 NW 57TH AVE STE 401, 401, MIAMI, FL 33126-2363 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
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 |
|---|---|
| Nov 17, 2025 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Dec 30, 2022 | Deed of Trust, Mortgage · Line of Credit AIM CU |
| Sep 16, 2025 | Warranty Deed, Transfer · Conventional Mortgage CITADEL SERVICING CORPORATION |
| Jun 19, 2018 | Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Mar 1, 2018 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Dec 14, 2017 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FIN'L NETWORK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 17, 2025 |
| Deed Sale | Nov 17, 2025 |
| Prior Sale | Sep 16, 2025 · Amount on File |
| Deed Document Number | 2522389 |
| Deed Book / Page | 3353 / 2106 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Nov 17, 2025 |
| Property Address | 157 LA PALOMA RD, KEY LARGO, FL 33037-4621 |
| Document Number | 0033532106 |
| Book / Page | 3353 / 2106 |
| Map Reference | MB 5 PG 29 |
| Instrument Date | Nov 14, 2025 |
| Instrument | 2522389 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10393 NW 131ST ST, HIALEAH GARDENS, FL 33018-1211 |
| Name | Verified Name |
|---|---|
| Address | 815 NW 57TH AVE STE 401, 401, MIAMI, FL 33126-2363 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 157 LA PALOMA RD, KEY LARGO, FL 33037-4621 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 157 LA PALOMA RD, KEY LARGO, FL 33037-4621 |
| Document Number | 0032062178 |
|---|---|
| Date | Dec 30, 2022 |
| Book Page | 3206/2178 |
| Instrument | 2402204 |
| Name | AIM CU |
|---|---|
| Type | Credit Union |
| Address | CHICAGO, IL 60666 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 29, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 16, 2025 |
| Property Address | 157 LA PALOMA RD, KEY LARGO, FL 33037-4621 |
| Document Number | 0033450069 |
| Book / Page | 3345 / 69 |
| Map Reference | MB 5 PG 29 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 2515360 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Title Company | NEAR NORTH TITLE GROUP, NEAR NORTH TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12,950.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650132, MIAMI, FL 33265-0132 |
| Name | Verified Name |
|---|---|
| Address | 157 LA PALOMA RD, KEY LARGO, FL 33037-4621 |
| Document Number | 0000334571 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | 3345/71 |
| Name | CITADEL SERVICING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 157 LA PALOMA RD, KEY LARGO, FL 33037-4621 |
| Document Number | 0029122051 |
| Instrument Date | Jun 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 605 LA PALOMA RD KEY LARGO FL 330374692, KEY LARGO, FL 33037-4692 |
| Document Number | 0029122051 |
|---|---|
| Date | Jun 21, 2018 |
| Book Page | 002912/002051 |
| Instrument | 2174527 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 20, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 157 LA PALOMA RD, KEY LARGO, FL 33037-4621 |
| Document Number | 0028950579 |
| Instrument Date | Mar 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 605 LA PALOMA RD KEY LARGO FL 330374692, KEY LARGO, FL 33037-4692 |
| Document Number | 0028950579 |
|---|---|
| Date | Mar 9, 2018 |
| Book Page | 002895/000579 |
| Instrument | 2158736 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 8, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 157 LA PALOMA RD, KEY LARGO, FL 33037-4621 |
| Document Number | 0028840330 |
| Book / Page | 002884 / 000330 |
| Instrument Date | Dec 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 605 LA PALOMA RD KEY LARGO FL 330374692, KEY LARGO, FL 33037-4692 |
| Document Number | 0028840330 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 002884/000330 |
| Instrument | 2148294 |
| Name | AMERICAN FIN'L NETWORK |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2047 |
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 | $518,137 (+2.9%) | $1,119,235 (+10.1%) Land $746,737 Building $372,498 | |
| 2024 | $4,195.00 (+26.7%) Homeowner's exemption | $503,535 (+25.73%) | $1,016,566 (+12.51%) Land $647,401 Building $369,165 |
| 2023 | $3,311.00 (+6.36%) Homeowner's exemption | $400,493 (+3%) | $903,498 (+10.2%) Land $654,251 Building $249,247 |
| 2022 | $3,113.00 Homeowner's exemption | $388,829 | $819,861 Land $558,340 Building $261,521 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 157 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 157 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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