Monroe County property record for 16 N End Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,459 sqft · built 1965 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $219,000 (Sep 2013) |
| Tax Bill | $2,290 (2024) |
| Deeds & Mortgages | Nov 2021 Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00538270-000000 |
| Primary APN | 00538270-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,459 sqft Living Area |
| 1st Floor Area | 1,459 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 21 sqft |
| Deck Area | 75 sqft |
| Patio Area | 75 sqft |
| Fence | Fence |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Account Number | 1661783 |
|---|---|
| Old Parcel Number | 06614000538270000000 |
| Street Address | 16 N END RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1 LT 21 OCEAN ISLE EST PB5-14 KEY LARGO OR511-761 OR758-848 OR885-1547 OR1145-54 OR1773-1519/20 OR2651-519 |
| Legal Range | 40E |
| Legal Township | 61S |
| Legal Section | 06 |
| Legal Subdivision | OCEAN ISLE ESTATE |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 972700 |
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.
16 N End Rd is owned and occupied by an individual who bought it in September 2013.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 16 N END RD, KEY LARGO, FL 33037-5012 |
| 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.
| Date | Document |
|---|---|
| Nov 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2013 · Amount on File |
| Deed Sale | Sep 24, 2013 · Amount on File |
| Prior Sale | Apr 3, 2002 |
| Deed Document Number | 1951191 |
| Deed Book / Page | 2651 / 0519 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 16 N END RD, KEY LARGO, FL 33037-5012 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Title Company | ABSOLUTE FIRST TITLE LLC, ABSOLUTE FIRST TITLE |
| Name | Verified Name |
|---|---|
| Address | 16 N END RD, KEY LARGO, FL 33037-5012 |
| Document Number | 0031350743 |
|---|---|
| Date | Nov 3, 2021 |
| Book Page | 3135/743 |
| Instrument | 2346824 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 269 Months |
| Due | Apr 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 16 N END RD, KEY LARGO, FL 33037-5012 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030510771 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 3051/771 |
| Instrument | 2286865 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 278 Months |
| Due | Dec 1, 2043 |
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 | $233,808 | $482,829 Land $270,000 Building $212,829 | |
| 2024 | $2,290.00 (+5.87%) | ||
| 2023 | $2,163.00 (+4.9%) Homeowner's exemption | $220,601 (+3%) | $429,525 (+4.09%) Land $241,020 Building $188,505 |
| 2022 | $2,062.00 Homeowner's exemption | $214,176 | $412,643 Land $176,130 Building $236,513 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 N End 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 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 |
|
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 risk around 16 N End Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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