Monroe County property record for 188 1st Ct, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,104 sqft · built 2014 |
| Lot Size | 0.083 acres (3,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $399,000 (Oct 2018) |
| Tax Bill | $4,626 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Sep 2022 Transfer + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00461530-000100 |
| Primary APN | 00461530-000100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 3,600 sqft (0.083 acres) |
| Lot Dimensions | 80 ft deep x 45 ft wide |
| Garage Type | Covered |
| Garage Area | 960 sqft |
| Porch | Open Porch |
| Porch Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 9081609 |
|---|---|
| Street Address | 188 1ST CT |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 16 LT 15 KEY LARGO TRAILER VILLAGE FIRST ADDITION PB5-55 KEY LARGO PB5-55 OR407-55 OR1547-1289D/C OR1548-2264/71WILL OR1556-1996AFF OR1556-1998D/C OR1556-1989 OR1592-402C OR1644-997 OR1871-1303/04 OR2654-27/28 OR2713-9 OR2893-612 OR2930-1056 OR319 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 21 |
| Legal Subdivision | KEY LARGO TRAILER VILLAGE 1ST ADD |
| Legal Block | 16 |
| Legal Lot Number | 15 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1017 |
| 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.
188 1st Ct is owned by an individual who acquired it in July 2022.
Source: Monroe County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 402278, MIAMI BEACH, FL 33140-0278 |
| 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 |
|---|---|
| Mar 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Sep 19, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Oct 5, 2018 | Warranty Deed, Transfer · Conventional with PMI NMB HM LNS INC |
| Feb 23, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2018 · Amount on File |
| Deed Sale | Oct 5, 2018 · Amount on File |
| Prior Sale | Nov 20, 2014 · Amount on File |
| Deed Document Number | 20189449 |
| Deed Book / Page | 2930 / 1056 |
| Last Transfer Date | Jul 25, 2022 |
| Transfer Doc | 0031941748 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 188 1ST CT, KEY LARGO, FL 33037-2604 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0030791481 |
|---|---|
| Date | Mar 4, 2021 |
| Book Page | 3079/1481 |
| Instrument | 2306886 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 19, 2022 |
| Property Address | 188 1ST CT, KEY LARGO, FL 33037-2604 |
| Document Number | 0031941748 |
| Book / Page | 3194 / 1748 |
| Map Reference | MB 5 PG 55 |
| Instrument Date | Jul 25, 2022 |
| Instrument | 2391886 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 402278, MIAMI BEACH, FL 33140-0278 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 402278, MIAMI, FL 33140-0278 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 5, 2018 |
| Property Address | 188 1ST CT, KEY LARGO, FL 33037-2604 |
| Document Number | 0029301056 |
| Book / Page | 002930 / 001056 |
| Instrument Date | Sep 21, 2018 |
| Instrument | 2189449 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2018 |
| Title Company | TITLE CONNECTION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,793.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 188 1ST CT KEY LARGO FL 330372604, KEY LARGO, FL 33037-2604 |
| Document Number | 29301058 |
|---|---|
| Date | Oct 5, 2018 |
| Book Page | 002930/001058 |
| Instrument | 2189450 |
| Name | NMB HM LNS INC |
|---|---|
| Address | LEBANON, NJ 08833 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 4, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 23, 2018 |
| Property Address | 188 1ST CT, KEY LARGO, FL 33037-2604 |
| Document Number | 0028930612 |
| Book / Page | 002893 / 000612 |
| Instrument Date | Feb 21, 2018 |
| Instrument | 2156709 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6908 CROWN GATE DR MIAMI LAKES FL 330142005, MIAMI LAKES, FL 33014-2005 |
Source: Monroe County assessment roll, as of December 8, 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 | $614,362 Land $243,000 Building $371,362 | $614,362 Land $243,000 Building $371,362 | |
| 2024 | $4,626.00 (+10.56%) | ||
| 2023 | $4,184.00 (+9.99%) | $509,450 (+7.31%) Land $201,600 Building $307,850 | $509,450 (+7.31%) Land $201,600 Building $307,850 |
| 2022 | $3,804.00 | $474,764 Land $152,100 Building $322,664 | $474,764 Land $152,100 Building $322,664 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 188 1st Ct 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 147 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 151 units insured incl. 4 condo units |
| Nearby Flood Claims | 160 (1979–2022) |
| Claims Outside the SFHA | 3 of 160 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 188 1st Ct 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 414 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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