20 N Bridge Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 20 N Bridge Ln, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 5,351 sqft · built 1996
Lot Size	0.973 acres (42,413 sqft)
Owner	Trust Name on File
Last Sale	$4,600,000 (Feb 2022)
Tax Bill	$26,805 (2024)
Deeds & Mortgages	Feb 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`00573630-001400`

Property Details

APN / Parcel Number

Primary APN	`00573630-001400`
Alternative APNs	`13594000573630001400` `1710571`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	5,351 sqft Living Area
1st Floor Area	5,351 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2008
Exterior Material	Other
Construction Type	Concrete
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	42,413 sqft (0.973 acres)
Garage Area	768 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Enclosed Porch
Porch Area	2,715 sqft
Deck Area	80 sqft
Patio Area	756 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1710571
Old Parcel Number	13594000573630001400
Street Address	20 N BRIDGE LN
City	KEY LARGO
State	FL
Zip	33037-5102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LTS 19-20 HARBOR COURSE SEC TWO OCEAN REEF PLAT NO 13 PB7-5 KEY LARGO OR884-2221 OR1077-1808 OR1137-1208 OR1198-2233
Legal Range	40E
Legal Township	59S
Legal Section	13
Legal Subdivision	HARBOR COURSE SEC 2 O.R. #13 REPLAT
Legal Block	1
Legal Lot Number	19-20 20
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3042
Census Tract	972700

Owner

20 N Bridge Ln is owner-occupied and held in a trust since February 2022.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	3055 HARBOR DR APT 902, 902, FORT LAUDERDALE, FL 33316-2458
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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	Feb 24, 2022 · Amount on File
Deed Sale	Feb 24, 2022 · Amount on File
Prior Sale	Sep 22, 2015 · Amount on File
Deed Document Number	2362961
Deed Book / Page	3156 / 2443
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 24, 2022
Property Address	20 N BRIDGE LN, KEY LARGO, FL 33037-5102
Document Number	0031562443
Book / Page	3156 / 2443
Map Reference	MB 7 PG 5
Instrument Date	Feb 23, 2022
Instrument	2362961
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$32,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 WATER ST STE 300, 300, WILMINGTON, DE 19801-5046

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3055 HARBOR DR, FORT LAUDERDALE, FL 33316-2460

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$4,081,596	$4,685,420 Land $3,086,550 Building $1,598,870
2024	$26,805.00 (-18.69%)
2023	$32,965.00 (+31.66%)	$4,803,272 (+12.73%) Land $2,758,990 Building $2,044,282	$4,803,272 (+12.73%) Land $2,758,990 Building $2,044,282
2022	$25,038.00	$4,260,927 Land $1,600,214 Building $2,660,713	$4,260,927 Land $1,600,214 Building $2,660,713

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

Flood

FEMA maps place 20 N Bridge Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

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 20 N Bridge Ln is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 70 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