181 la Paloma Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 181 la Paloma Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,104 sqft · built 1979
Lot Size	0.221 acres (9,630 sqft)
Owner	2 Individual Names on File
Last Sale	$172,500 (Oct 1996)
Tax Bill	$7,454 (2024)
Deeds & Mortgages	Nov 2020 Transfer
Flood Zone	Zone AE (high risk)
APN	`00546890-000000`

Property Details

APN / Parcel Number

Primary APN	`00546890-000000`
Alternative APNs	`22613900546890000000` `1670375`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,630 sqft (0.221 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	418 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	1,694 sqft
Deck Area	40 sqft
Patio Area	112 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1670375
Street Address	181 LA PALOMA RD
City	KEY LARGO
State	FL
Zip	33037-4621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 6 LOT 18 & THE NLY 1/2 OF LOT 19 WINSTON WATERWAYS NO 2 KEY LARGO PB5-29 OR519-868 OR766-653 OR767-1605 OR818-483 OR818-485 OR818-487 OR818-489 OR1089-89 OR1424-819 OR3056-0969
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	WINSTON WATERWAYS NO 2
Legal Block	6
Legal Lot Number	18,19
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2011
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

181 la Paloma Rd is owned by two individuals who acquired it in November 2020.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	831 ALBATROSS ST, MIAMI SPRINGS, FL 33166-3941
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 1996 · Amount on File
Deed Sale	Oct 2, 1996 · Amount on File
Prior Sale	Apr 1, 1989 · Amount on File
Deed Book / Page	1424 / 819
Last Transfer Date	Nov 6, 2020
Transfer Doc	0030560969
Record Updated	Jun 8, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Nov 12, 2020
Property Address	181 LA PALOMA RD, KEY LARGO, FL 33037-4621
Document Number	0030560969
Book / Page	003056 / 000969
Instrument Date	Nov 6, 2020
Instrument	2290536
Transaction Type	Transfer
Record Updated	Dec 7, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	831 ALBATROSS ST MIAMI SPRINGS FL 331663941, MIAMI SPRINGS, FL 33166-3941

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		$1,087,185 Land $850,233 Building $236,952	$1,087,185 Land $850,233 Building $236,952
2024	$7,454.00 (+5.46%)
2023	$7,068.00 (+12.76%)	$970,648 (+12.42%) Land $744,929 Building $225,719	$970,648 (+12.42%) Land $744,929 Building $225,719
2022	$6,268.00	$863,382 Land $635,724 Building $227,658	$863,382 Land $635,724 Building $227,658

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 181 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	Hurricane Irma, Sep 2017 · 91 claims Hurricane Irene, Oct 1999 · 31 claims Hurricane Georges, Sep 1998 · 11 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

The area around 181 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.

Internet Providers

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