Monroe County property record for 20 Bonefish Ave, Key Largo, FL 33037 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,590 sqft · built 1997 |
| Lot Size | 0.118 acres (5,125 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Feb 2021) |
| Tax Bill | $5,298 (2024) |
| Deeds & Mortgages | Feb 2026 Mortgage Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00470880-000000 |
| Primary APN | 00470880-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,590 sqft Living Area |
| 1st Floor Area | 1,590 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,125 sqft (0.118 acres) |
| Porch | Florida Room |
| Porch Area | 612 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1578045 |
|---|---|
| Street Address | 20 BONEFISH AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 3 LT 15 LARGO SOUND PARK PB3-111 KEY LARGO OR213-81/82 OR750-1210/13 OR750-1215/19 OR750-1222 OR750-1223/24 OR1023-1136 OR1064-1981 OR1065-1993 OR1321-614/15 OR1409-225/26 OR1428-1794 OR1496-1188 OR1641-2125/48 OR1649-1914/15 OR2228-1087 OR2421-59 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | LARGO SOUND PARK |
| Legal Block | 3 |
| Legal Lot Number | 15 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 970400 |
Source: Monroe County records · APN 00470880-000000
Assessment roll updated December 8, 2025 · Last verified April 2026
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 File |
|---|---|
| Mailing Address | 20 BONEFISH AVE, KEY LARGO, FL 33037-4722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 27, 2026 | Deed of Trust, Mortgage · Partial Claim Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Feb 23, 2021 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 23, 2021 · Amount on Record |
| Deed Sale | Feb 23, 2021 · Amount on Record |
| Prior Sale | Apr 01, 2013 · Amount on Record |
| Deed Document Number | 20212305230 |
| Deed Book / Page | 3077 / 477 |
| Prior Transfer Date | Feb 02, 2011 |
| Prior Transfer Doc | 0025030691 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 20 BONEFISH AVE, KEY LARGO, FL 33037-4722 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 BONEFISH AVE, KEY LARGO, FL 33037-4722 |
| Document Number | 0033681193 |
|---|---|
| Date | Feb 27, 2026 |
| Book Page | 3368/1193 |
| Instrument | 2533902 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | Partial Claim Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 23, 2021 |
| Property Address | 20 BONEFISH AVE, KEY LARGO, FL 33037-4722 |
| Document Number | 0030770477 |
| Book / Page | 3077 / 477 |
| Map Reference | MB 3 PG 111 |
| Instrument Date | Feb 22, 2021 |
| Instrument | 2305230 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 47-034 LIHIKAI DR, 47-034, KANEOHE, HI 96744-4768 |
| Name | Verified Name |
|---|---|
| Address | 20 BONEFISH AVE, KEY LARGO, FL 33037-4722 |
| Document Number | 0003077479 |
|---|---|
| Date | Feb 23, 2021 |
| Instrument | 3077/479 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
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 | $528,698 (-0.21%) Land $274,495 Building $254,203 | $528,698 (-0.21%) Land $274,495 Building $254,203 | |
| 2024 | $5,298.00 (+7.36%) | ||
| 2023 | $4,935.00 (+12.03%) | $529,820 (+10.73%) Land $290,331 Building $239,489 | $529,820 (+10.73%) Land $290,331 Building $239,489 |
| 2022 | $4,405.00 | $478,460 Land $237,544 Building $240,916 | $478,460 Land $237,544 Building $240,916 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879704004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 167 individual NFIP policies nearby |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 167 in force 110 of 167 on primary residences |
| Nearby Flood Claims | 68 (1992–2023) |
| Claims Outside the SFHA | 4 of 68 |
| Most Recent Claim | Nov 2023, rainfall accumulation |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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