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19 N End Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 19 N End Rd, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,336 sqft · built 2021
Lot Size0.138 acres (6,000 sqft)
Owner2 Individual Names on Record
Last Sale$899,000 (Oct 2024)
Tax Bill$7,722 (2024)
Deeds & MortgagesApr 2026 Mortgage
Jun 2022 Sale & Mortgage
+ 3 more
Flood ZoneZone AE (high risk)
APN00538340-000000

Property Details

APN / Parcel Number

Primary APN00538340-000000
Alternative APNs
  • 06614000538340000000
  • 1661856

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,336 sqft Living Area

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,000 sqft (0.138 acres)
Lot Dimensions100 ft deep x 60 ft wide
Garage TypeCovered
Garage Area864 sqft
PorchOpen Porch

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number1661856
Street Address19 N END RD
CityKEY LARGO
StateFL
Zip33037-5011
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 2 LT 4 OCEAN ISLE EST PB5-14 KEY LARGO OR574-182 OR794-96 OR816-1608 OR1039-2417 OR1541-614/15 OR2576-2026/27 OR2881-1038ORD OR2881-1026 OR2881-1027 OR2881-1028/29 OR3176-2381 OR3297-2422
Legal Range40E
Legal Township61S
Legal Section06
Legal SubdivisionOCEAN ISLE ESTATE
Legal Block2
Legal Lot Number4
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1034
Census Tract972700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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 April 29, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address19 N END RD, KEY LARGO, FL 33037-5011
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 21, 2026Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORPORATION
Jun 1, 2022Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC
Dec 4, 2017Warranty Deed, Transfer
ATTORNEY ONLY
Dec 4, 2017Warranty Deed, Transfer
ATTORNEY ONLY
Dec 4, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 28, 2024 · Amount on Record
Deed SaleOct 28, 2024 · Amount on Record
Prior SaleJun 1, 2022 · Amount on Record
Deed Document Number20242478918
Deed Book / Page3297 / 2422
Prior Transfer DateNov 21, 2017
Prior Transfer Doc0028811027
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Recording DateApr 21, 2026
Property Address19 N END RD, KEY LARGO, FL 33037-5011
Document Number0002540292
Book / Page3377 / 27
Instrument DateApr 14, 2026
Instrument20262540292
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address19 N END RD, KEY LARGO, FL 33037-5011

Mortgage

Document Number0002540292,
DateApr 21, 2026
Book Page3377/27
Instrument20262540292
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term345 Months
DueJan 1, 2055
Interest
Rate6.22%
Max Rate-1%

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJun 1, 2022
Property Address19 N END RD, KEY LARGO, FL 33037-5011
Document Number0031762381
Book / Page3176 / 2381
Map ReferenceMB 5 PG 14
Instrument DateMay 25, 2022
Instrument2378012
Transaction TypeTransfer
Record UpdatedJun 20, 2022
Title CompanySUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF KEYS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,650.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address20 ABACO RD, 20, KEY LARGO, FL 33037-5002

Transferred To (Grantee/Buyer)

NameVerified Name
Address114 PALM LN, ISLAMORADA, FL 33036-3015

Mortgage

Document Number0031762383
DateJun 1, 2022
Instrument3176/2383
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2052

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateDec 4, 2017
Property Address19 N END RD, KEY LARGO, FL 33037-5011
Document Number0028811027
Book / Page002881 / 001027
Instrument DateNov 21, 2017
Instrument2145846
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$462.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address20 ABACO RD KEY LARGO FL 330375002, KEY LARGO, FL 33037-5002

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateDec 4, 2017
Property Address19 N END RD, KEY LARGO, FL 33037-5011
Document Number0028811026
Book / Page002881 / 001026
Instrument DateNov 20, 2017
Instrument2145845
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$462.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address20 ABACO RD KEY LARGO FL 330375002, KEY LARGO, FL 33037-5002

December 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONROE FL
Recording DateDec 4, 2017
Property Address19 N END RD, KEY LARGO, FL 33037-5011
Document Number0028811028
Book / Page002881 / 001028
Instrument DateNov 20, 2017
Instrument2145847
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address20 ABACO RD KEY LARGO FL 330375002, KEY LARGO, FL 33037-5002

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$713,114 (-13.74%)$747,921 (-9.53%) Land $278,100 Building $469,821
2024$7,722.00 (+5.81%)
2023$7,298.00 (+77.05%)$826,749 (+61.54%) Land $241,020 Building $585,729$826,749 (+61.54%) Land $241,020 Building $585,729
2022$4,122.00$511,778 Land $176,130 Building $335,648$511,778 Land $176,130 Building $335,648

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 225 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies225 in force
Nearby Flood Claims29 (2017–2023)
Most Recent ClaimNov 2023 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 28 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 RiskLow
lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 188 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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