Monroe County property record for 2 Spray Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 5,455 sqft · built 1967 |
| Lot Size | 0.582 acres (25,335 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,500,000 (Dec 2016) |
| Tax Bill | $33,744 (2024) |
| Deeds & Mortgages | Jan 2019 Transfer Dec 2017 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 00572780-000000 |
| Primary APN | 00572780-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 1 Story |
| Building Area | 5,455 sqft Living Area |
| Gross Area | 5,556 sqft |
| 1st Floor Area | 5,455 sqft |
| Attic | Attic |
| Attic Area | 396 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 25,335 sqft (0.582 acres) |
| Garage Type | Attached |
| Garage Area | 101 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 2,209 sqft |
| Deck Area | 280 sqft |
| Patio Area | 3,480 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1707767 |
|---|---|
| Street Address | 2 SPRAY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 13 LTS 12-A AND LT 14-A RE-PLAT OF PORTIONS OF OCEAN REEF PLAT 3 PB5-30 KEY LARGO OR492-544/45 OR648-741 OR1098-2081 OR2065-550/52 OR2676-1143/44 OR2676-1145 OR2676-1147/50 OR2830-248/50 OR2884-2051/53 |
| Legal Range | 41E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | OCEAN REEF NO 3 REPLAT |
| Legal Block | 13 |
| Legal Lot Number | 12,14 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 972700 |
Source: Monroe County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 211 BAL BAY DR, BAL HARBOUR, FL 33154-1368 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2019 | Quit Claim Deed, Transfer REEF TITLE COMPANY, REEF TITLE CO |
| Dec 27, 2017 | Warranty Deed, Transfer REEF TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2016 · Amount on Record |
| Deed Sale | Dec 13, 2016 · Amount on Record |
| Prior Sale | Mar 24, 2014 · Amount on Record |
| Deed Document Number | 20162102829 |
| Deed Book / Page | 2830 / 248 |
| Prior Transfer Date | Dec 1, 2004 |
| Prior Transfer Doc | 0020650550 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 22, 2019 |
| Property Address | 2 SPRAY RD, KEY LARGO, FL 33037-3724 |
| Document Number | 0029451220 |
| Book / Page | 002945 / 001220 |
| Instrument Date | Jan 18, 2018 |
| Instrument | 2202673 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2019 |
| Title Company | REEF TITLE COMPANY, REEF TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 674, 104-743 RAILWAY AVE |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Dec 27, 2017 |
| Property Address | 2 SPRAY RD, KEY LARGO, FL 33037-3724 |
| Document Number | 0028842051 |
| Book / Page | 002884 / 002051 |
| Instrument Date | Dec 18, 2017 |
| Instrument | 2148804 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2018 |
| Title Company | REEF TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $18,900.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 211 BAL BAY DR BAL HARBOUR FL 331541368, BAL HARBOUR, FL 33154-1368 |
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 | $7,367,186 (+13.43%) Land $6,403,041 Building $964,145 | $7,367,186 (+13.43%) Land $6,403,041 Building $964,145 | |
| 2024 | $33,744.00 (+6.12%) | ||
| 2023 | $31,798.00 (+34.91%) | $6,494,872 (+56.87%) Land $5,551,405 Building $943,467 | $6,494,872 (+56.87%) Land $5,551,405 Building $943,467 |
| 2022 | $23,570.00 | $4,140,358 Land $3,185,750 Building $954,608 | $4,140,358 Land $3,185,750 Building $954,608 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 11.0 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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