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

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 4,252 sqft · built 1999
Lot Size	0.5 acres (21,811 sqft)
Owner	Individual Name on Record
Last Sale	$6,000,000 (Jun 2022)
Tax Bill	$40,862 (2024)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00573670-002000`

Property Details

APN / Parcel Number

Primary APN	`00573670-002000`
Alternative APNs	`13594000573670002000` `1711233`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,252 sqft Living Area
1st Floor Area	4,252 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2018
Exterior Material	Other
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	21,811 sqft (0.5 acres)
Garage Area	616 sqft

Exterior Amenities

Pool Area	650 sqft
Porch	Enclosed Porch
Porch Area	3,465 sqft
Patio Area	2,015 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1711233
Old Parcel Number	13594000573670002000
Street Address	20 S BRIDGE LN
City	KEY LARGO
State	FL
Zip	33037-5111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARBOR COURSE SEC FOUR OCEAN REEF PLAT NO 13 KEY LARGO PB7-8 PT LOT 20 BK 3 OR765-277 OR1416-1932/34 OR1495-951/53
Legal Range	40E
Legal Township	59S
Legal Section	13
Legal Subdivision	HARBOR COURSE SEC 4 O.R. #13 REPLAT
Legal Block	3
Legal Lot Number	20
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3042
Census Tract	972700

Historic Designation

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.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	8105 KROGER FARM RD, CINCINNATI, OH 45243-1639
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Deed Document Number	2378080
Deed Book / Page	3177 / 172
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 1, 2022
Property Address	20 S BRIDGE LN, KEY LARGO, FL 33037-5111
Document Number	0031770172
Book / Page	3177 / 172
Map Reference	MB 7 PG 8
Instrument Date	May 27, 2022
Instrument	2378080
Transaction Type	Transfer
Record Updated	Jun 24, 2022
Title Company	REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42,000.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 RESIDENCE LN, 1, KEY LARGO, FL 33037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8105 KROGER FARM RD, CINCINNATI, OH 45243-1639

Mortgage

Document Number	0003177175
Date	Jun 1, 2022
Instrument	3177/175

Lender

Name	KEMBA CREDIT UNION INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2037
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	7.25%

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		$6,065,115 (+7.94%) Land $3,885,116 Building $2,179,999	$6,065,115 (+7.94%) Land $3,885,116 Building $2,179,999
2024	$40,862.00 (+6.17%)
2023	$38,486.00 (+186.82%)	$5,619,094 (+182.55%) Land $3,604,525 Building $2,014,569	$5,619,094 (+74.71%) Land $3,604,525 Building $2,014,569
2022	$13,418.00 Homeowner's exemption	$1,988,674	$3,216,149 Land $1,834,638 Building $1,381,511

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	8.0 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

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

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

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 47 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

May also be available: AT&T.

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