2 Atlantic Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 2 Atlantic Ave, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 1990
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Mar 2021)
Tax Bill	$4,750 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00451330-000000`

Property Details

APN / Parcel Number

Primary APN	`00451330-000000`
Alternative APN	`1550965`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,740 sqft Living Area
1st Floor Area	1,740 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	110 ft deep x 60 ft wide

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Florida Room
Porch Area	522 sqft
Deck Area	170 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1550965
Street Address	2 ATLANTIC AVE
City	KEY LARGO
State	FL
Zip	33037-4328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 2 PORT LARGO PB5-3 OR565-50 OR820-953D/C OR1035-873QC OR1108-1393 OR1130-1836 OR1160-1289 OR1258-1704 OR1258-1703 OR1385-288 OR1403-1570 OR1409-2138 OR1643-2297 OR1736-2418 OR1903-2467 OR2343-984 OR2532-939 OR2680-926 OR2792-1917 OR3081-2106 OR308
Legal Range	39E
Legal Township	61S
Legal Section	33
Legal Subdivision	PORT LARGO
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2017
Census Tract	970500

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

2 Atlantic Ave is owned and occupied by two individuals who bought it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2 ATLANTIC AVE, KEY LARGO, FL 33037-4328
Occupancy	Owner Occupied
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	Mar 17, 2021 · Amount on File
Deed Sale	Mar 17, 2021 · Amount on File
Prior Sale	Apr 20, 2016 · Amount on File
Deed Document Number	20212308749
Deed Book / Page	3081 / 2106
Transfer Doc	1385000288
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 17, 2021
Property Address	2 ATLANTIC AVE, KEY LARGO, FL 33037-4328
Document Number	0030812106
Book / Page	3081 / 2106
Map Reference	MB 5 PG 3
Instrument Date	Mar 15, 2021
Instrument	2308749
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ABSOLUTE FIRST TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	256 KELSEY PARK CIR, 256, PALM BEACH GARDENS, FL 33410-3259

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 ATLANTIC AVE, KEY LARGO, FL 33037-4328

Mortgage

Document Number	0030812108
Date	Mar 17, 2021
Instrument	3081/2108

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

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		$551,511	$578,878 Land $359,700 Building $219,178
2024	$4,750.00 (+3.96%)
2023	$4,569.00 (+5.84%) Homeowner's exemption	$520,358 (+3%)	$608,460 (+20.44%) Land $374,963 Building $233,497
2022	$4,317.00 Homeowner's exemption	$505,202 Land $269,346 Building $235,856	$505,202 Land $269,346 Building $235,856

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

Flood

FEMA maps place 2 Atlantic Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 595 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	839 units insured incl. 244 condo units
Nearby Flood Claims	304 (1983–2025)
Claims Outside the SFHA	8 of 304
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 221 claims Hurricane Irene, Oct 1999 · 24 claims Hurricane Georges, Sep 1998 · 24 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 2 Atlantic Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% 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 425 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20