2 Halfway Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 2 Halfway Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,691 sqft · built 1974
Lot Size	0.377 acres (16,410 sqft)
Owner	Company Name on File
Last Sale	$2,950,000 (Apr 2021)
Tax Bill	$29,126 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00572221-003100`

Property Details

APN / Parcel Number

Primary APN	`00572221-003100`
Alternative APNs	`12594000572221003100` `1706108`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	4,691 sqft Living Area
Gross Area	5,198 sqft
1st Floor Area	4,691 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	16,410 sqft (0.377 acres)
Garage Type	Attached
Garage Area	507 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Slab
Porch Area	3,235 sqft
Patio Area	2,600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1706108
Street Address	2 HALFWAY RD
City	KEY LARGO
State	FL
Zip	33037-3714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 20 LT 2 GRAYVIK EXTENSION OCEAN REEF PLAT NO 2 KEY LARGO PB6-28 OR569-907 OR569-908 OR928-819/20 OR2445-347/71 OR2445-374ORD OR2445-375 OR2445-376/81 OR2445-382/83 OR2445-383/02 OR3061-2322 OR3092-535
Legal Range	40E
Legal Township	59S
Legal Section	12
Legal Subdivision	GRAYVIK EXT O.R. #2
Legal Block	20
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3011
Census Tract	972700

Owner

Source: Monroe County records · APN 00572221-003100

Assessment roll updated December 8, 2025 · Last verified May 2026

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

Owner of Record	Company Name on File
Mailing Address	1203 ANDRE CIR, CLAREMORE, OK 74017-4628
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 06, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST HORIZON BANK
Apr 26, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Dec 11, 2020	Warranty Deed, Transfer REEF TITLE COMPANY, REEF TITLE CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 26, 2021 · Amount on Record
Deed Sale	Apr 26, 2021 · Amount on Record
Prior Sale	Dec 11, 2020 · Amount on Record
Deed Document Number	20212315999
Deed Book / Page	3092 / 535
Record Updated	Jun 08, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2 HALFWAY RD, KEY LARGO, FL 33037-3714
Transaction Type	Mortgage
Record Updated	Sep 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031921769
Date	Sep 06, 2022
Book Page	3192/1769
Instrument	2390220

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	KEY LARGO, FL 33037

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	117 Months
Due	Jun 02, 2032

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 26, 2021
Property Address	2 HALFWAY RD, KEY LARGO, FL 33037-3714
Document Number	0030920535
Book / Page	3092 / 535
Map Reference	MB 6 PG 28
Instrument Date	Apr 23, 2021
Instrument	2315999
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	REEF TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$20,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	975A ELGIN STREET W #417417, 975A, COBOURG XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1203 ANDRE CIR, CLAREMORE, OK 74017-4628

Mortgage

Document Number	3092561
Date	Apr 26, 2021
Instrument	3092/561

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	May 01, 2026
Min Rate At Change	2.5%
Max Rate At Change	7.5%
Index	1-Month LIBOR
Max Rate	7.5%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 11, 2020
Property Address	2 HALFWAY RD, KEY LARGO, FL 33037-3714
Document Number	0030612322
Book / Page	003061 / 002322
Instrument Date	Dec 10, 2020
Instrument	2294414
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	REEF TITLE COMPANY, REEF TITLE CO

Transaction

Amount	Amount Recorded
Tax	$15,400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	975 A ELGIN ST W, #417

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$29,126.00 (+9.93%)	$4,934,461 (+13.75%) Land $4,247,318 Building $687,143	$4,934,461 (+13.75%) Land $4,247,318 Building $687,143
2024	$26,494.00 (+6.59%)
2023	$24,855.00 (+31.28%)	$4,338,060 (+56.11%) Land $3,682,404 Building $655,656	$4,338,060 (+56.11%) Land $3,682,404 Building $655,656
2022	$18,933.00	$2,778,770 Land $2,113,198 Building $665,572	$2,778,770 Land $2,113,198 Building $665,572

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 838 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured incl. 747 condo units
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 73 claims

Wildfire

Wildfire Risk	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 104 locations within half a mile of this property.

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