18 Bonefish Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 18 Bonefish Ave, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,992 sqft · built 2002
Lot Size	0.118 acres (5,125 sqft)
Owner	Individual Name on Record
Tax Bill	$2,571 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`00470870-000000`

Property Details

APN / Parcel Number

Primary APN	`00470870-000000`
Alternative APN	`1578037`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,992 sqft Living Area
1st Floor Area	1,992 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,125 sqft (0.118 acres)
Porch	Florida Room

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1578037
Street Address	18 BONEFISH AVE
City	KEY LARGO
State	FL
Zip	33037-4722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS-M
Legal Description	BK 3 LT 14 LARGO SOUND PARK PB3-111 KEY LARGO OR213-81/82 OR752-214 OR1018-2174/75 OR1683-2293AFF OR1683-2294 OR1683-2295 OR1683-2296 OR1821-495 OR1889-2046 OR3032-1848
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	LARGO SOUND PARK
Legal Block	3
Legal Lot Number	14
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	4
Census Block	4012
Census Tract	970400

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 8, 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
Mailing Address	PO BOX 370014, KEY LARGO, FL 33037-0014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2020	Deed of Trust, Mortgage JP MORGAN CHASE BK
Jul 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2020
Deed Sale	Jul 21, 2020
Prior Sale	May 20, 2003 · Amount on Record
Deed Document Number	20202273789
Deed Book / Page	3032 / 1848
Prior Transfer Date	Mar 20, 2020
Prior Transfer Doc	0030321848
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	18 BONEFISH AVE, KEY LARGO, FL 33037-4722
Document Number	0030321850
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 370014 KEY LARGO FL 330370014, KEY LARGO, FL 33037-0014

Mortgage

Document Number	0030321850
Date	Jul 21, 2020
Book Page	003032/001850
Instrument	2273790

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 20, 2040

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jul 21, 2020
Property Address	18 BONEFISH AVE, KEY LARGO, FL 33037-4722
Document Number	0030321848
Book / Page	003032 / 001848
Instrument Date	Mar 20, 2020
Instrument	2273789
Transaction Type	Transfer
Record Updated	Dec 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 370014 KEY LARGO FL 330370014, KEY LARGO, FL 33037-0014

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		$306,130 (+5.99%)	$493,231 (-0.57%) Land $274,495 Building $218,736
2024	$2,571.00 (+6.02%)
2023	$2,425.00 (+6.22%) Homeowner's exemption	$288,838 (+3%)	$496,035 (+10.55%) Land $290,331 Building $205,704
2022	$2,283.00 Homeowner's exemption	$280,426	$448,678 Land $237,544 Building $211,134

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 167 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	68 (1992–2023)
Claims Outside the SFHA	4 of 68
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 39 claims Hurricane Irene, Oct 1999 · 8 claims Hurricane Georges, Sep 1998 · 8 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 99.1% of the US · lower than 98.7% 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 416 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.

Nearby Properties on Bonefish Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures