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

Monroe County property record for 189 la Paloma Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 990 sqft · built 1988
Lot Size	0.139 acres (6,060 sqft)
Owner	2 Trust Names on File
Last Sale	$350,000 (Aug 2013)
Tax Bill	$3,535 (2024)
Deeds & Mortgages	Nov 2025 Transfer
Flood Zone	Zone AE (high risk)
APN	`00546870-000000`

Property Details

APN / Parcel Number

Primary APN	`00546870-000000`
Alternative APNs	`22613900546870000000` `1670359`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	990 sqft Living Area
1st Floor Area	1,080 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,060 sqft (0.139 acres)
Lot Dimensions	101 ft deep x 60 ft wide
View / Lot	Canal
Garage Type	Covered
Garage Area	780 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	966 sqft
Deck Area	Deck Area
Patio Area	100 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1670359
Street Address	189 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 LT 16 WINSTON WATERWAYS NO 2 KEY LARGO PB5-29 OR436-635/36 OR806-1985 OR818-483 OR818-485 OR818-487 OR818-489 OR959-2117 OR1270-780 OR1491-1900/01 OR1769-1385 OR2017-2256 OR2267-2350 OR2575-1832C/T OR2644-863/65
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	WINSTON WATERWAYS NO 2
Legal Block	6
Legal Lot Number	16
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

189 la Paloma Rd is owner-occupied and held in a trust since October 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	189 LA PALOMA RD, KEY LARGO, FL 33037-4621
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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	Aug 12, 2013 · Amount on File
Deed Sale	Aug 12, 2013 · Amount on File
Prior Sale	Jun 19, 2012
Deed Document Number	20131945532
Deed Book / Page	2644 / 863
Last Transfer Date	Oct 28, 2025
Transfer Doc	0033520794
Record Updated	Jun 8, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Nov 4, 2025
Property Address	189 LA PALOMA RD, KEY LARGO, FL 33037-4621
Document Number	0033520794
Book / Page	3352 / 794
Map Reference	MB 5 PG 29
Instrument Date	Oct 28, 2025
Instrument	2521122
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	189 LA PALOMA RD, KEY LARGO, FL 33037-4621

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	189 LA PALOMA RD, KEY LARGO, FL 33037-4621

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		$396,417	$891,576 Land $673,751 Building $217,825
2024	$3,535.00 (+4.55%)
2023	$3,381.00 (+5.59%) Homeowner's exemption	$374,025 (+3%)	$827,190 (+11.08%) Land $590,305 Building $236,885
2022	$3,202.00 Homeowner's exemption	$363,132	$744,689 Land $503,768 Building $240,921

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

Flood

FEMA maps place 189 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

Wildfire risk around 189 la Paloma Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% 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 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