16 North Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 16 North Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 1,570 sqft · built 1971
Lot Size	0.261 acres (11,405 sqft)
Owner	Individual Name on Record
Last Sale	$1,950,000 (Dec 2021)
Tax Bill	$16,259 (2024)
Deeds & Mortgages	Oct 2025 Second Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone VE (high risk)
APN	`00514700-000000`

Property Details

APN / Parcel Number

Primary APN	`00514700-000000`
Alternative APNs	`01613900514700000000` `1633968`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,570 sqft Living Area
1st Floor Area	1,230 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2012
Exterior Material	Other
Construction Type	Wood
Foundation Type	Pile
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	11,405 sqft (0.261 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	200 sqft
Porch	Enclosed Porch
Porch Area	1,031 sqft
Deck Area	500 sqft
Patio Area	1,400 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1633968
Old Parcel Number	01613900514700000000
Street Address	16 NORTH DR
City	KEY LARGO
State	FL
Zip	33037-2917
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2 LT 8 STILLWRIGHT POINT PLAT 2 KEY LARGO PB4-154 OR582-563 OR712-862 OR821-1120 OR867-1888 OR1137-313 OR1174-1643
Legal Range	39E
Legal Township	61S
Legal Section	01
Legal Subdivision	STILLWRIGHT POINT NO 2
Legal Block	2
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
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 December 5, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	16 NORTH DR, KEY LARGO, FL 33037-2917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage A&D MORTGAGE LLC
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage A&D MORTGAGE LLC
Nov 4, 2019	Warranty Deed, Transfer FANUS & YVETTE NOTHNAGEL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Prior Sale	Nov 4, 2019 · Amount on Record
Deed Document Number	2353142
Deed Book / Page	3143 / 1348
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	16 NORTH DR, KEY LARGO, FL 33037-2917
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 NORTH DR, KEY LARGO, FL 33037-2917

Mortgage

Document Number	0033510541
Date	Oct 28, 2025
Book Page	3351/541
Instrument	2520185

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33309

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 16, 2021
Property Address	16 NORTH DR, KEY LARGO, FL 33037-2917
Document Number	0031431348
Book / Page	3143 / 1348
Map Reference	MB 4 PG 154
Instrument Date	Dec 14, 2021
Instrument	2353142
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	VOGUE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17115 SW 81ST CT, 17115, PALMETTO BAY, FL 33157-9224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 NORTH DR, KEY LARGO, FL 33037-2917

Mortgage

Document Number	0031431350
Date	Dec 16, 2021
Instrument	3143/1350

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company

Agreement

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

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 4, 2019
Property Address	16 NORTH DR, KEY LARGO, FL 33037-2917
Document Number	0029930112
Book / Page	002993 / 000112
Instrument Date	Nov 1, 2019
Instrument	2243284
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	ADS TITLE SERVICES INC, ADS TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,295.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2199 PONCE DE LEON BLVD #301 CORAL GABLES FL 331345234, 301, CORAL GABLES, FL 33134-5234

Mortgage

Document Number	29930114
Date	Nov 4, 2019
Book Page	002993/000114
Instrument	2243285

Lender

Name	FANUS & YVETTE NOTHNAGEL
Address	202 PLANTATION SHORES DR, TAVERNIER, FL 33070-2322
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

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		$1,840,354 (+0.62%) Land $1,275,906 Building $564,448	$1,840,354 (+0.62%) Land $1,275,906 Building $564,448
2024	$16,259.00 (+8.05%)
2023	$15,047.00 (+14.28%)	$1,829,052 (+12.67%) Land $1,115,637 Building $713,415	$1,829,052 (+12.67%) Land $1,115,637 Building $713,415
2022	$13,167.00	$1,623,322 Land $892,926 Building $730,396	$1,623,322 Land $892,926 Building $730,396

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 433 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	660 units insured incl. 227 condo units
Nearby Flood Claims	80 (1999–2024)
Claims Outside the SFHA	1 of 80
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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