Monroe County property record for 20 Cindy Pl, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 928 sqft · built 1963 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $118,000 (Oct 2009) |
| Tax Bill | $3,286 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 00457860-000000 |
| Primary APN | 00457860-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 928 sqft Living Area |
| 1st Floor Area | 928 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Covered |
| Garage Area | 392 sqft |
| Porch | Florida Room |
| Deck Area | 80 sqft |
| Patio Area | 80 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1561428 |
|---|---|
| Street Address | 20 CINDY PL |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 13 LT 3 LARGO GARDENS KEY LARGO PB4-38 OR211-522-523 OR365-716 OR776-1170 OR942-2423R/S OR1080-1133 OR2135-2128/32 OR2135-2128/32C OR2434-263 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | LARGO GARDENS |
| Legal Block | 13 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 970400 |
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.
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 | Individual Name on Record |
|---|---|
| Mailing Address | 122 W PIPPEN DR, ISLAMORADA, FL 33036-3111 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2009 · Amount on Record |
| Deed Sale | Oct 1, 2009 · Amount on Record |
| Prior Sale | May 1, 1985 · Amount on Record |
| Deed Document Number | 20091761210 |
| Deed Book / Page | 2434 / 263 |
| Prior Transfer Date | Jul 6, 2005 |
| Prior Transfer Doc | 0021520038 |
| Record Updated | Jun 8, 2026 |
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 | $384,011 (+24.31%) Land $211,464 Building $172,547 | $384,011 (+24.31%) Land $211,464 Building $172,547 | |
| 2024 | $3,286.00 (+12.11%) | ||
| 2023 | $2,931.00 (+6.47%) | $308,916 (-0.7%) Land $161,535 Building $147,381 | $308,916 (-0.7%) Land $161,535 Building $147,381 |
| 2022 | $2,753.00 | $311,078 Land $161,535 Building $149,543 | $311,078 Land $161,535 Building $149,543 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 245 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 245 in force |
| Nearby Flood Claims | 161 (1992–2023) |
| Claims Outside the SFHA | 6 of 161 |
| 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 | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 371 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures