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206 2nd St, Key Largo, FL 33037 Property Records

Monroe County property record for 206 2nd St, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,144 sqft · built 1981
Lot Size0.137 acres (6,000 sqft)
OwnerIndividual Name on File
Last Sale$685,000 (Oct 2024)
Tax Bill$3,346 (2024)
Deeds & MortgagesOct 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN00474320-000000

Property Details

APN / Parcel Number

Primary APN00474320-000000
Alternative APNs
  • 11613900474320000000
  • 1581437

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,144 sqft Living Area
1st Floor Area1,144 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 2012
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,000 sqft (0.137 acres)
Lot Dimensions100 ft deep x 60 ft wide
PorchOpen Porch
Porch Area120 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1581437
Old Parcel Number11613900474320000000
Street Address206 2ND ST
CityKEY LARGO
StateFL
Zip33037-4837
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 3 LT 8 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR545-587 OR817-2091 OR873-1828 OR906-938 OR1504-1812AFF OR2651-1318
Legal Range39E
Legal Township61S
Legal Section11
Legal SubdivisionLARGO SOUND VILLAGE
Legal Block3
Legal Lot Number8
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1036
Census Tract972700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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

206 2nd St is owned and occupied by an individual who bought it in October 2024.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address206 2ND ST, KEY LARGO, FL 33037-4837
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleOct 4, 2024 · Amount on File
Deed SaleOct 4, 2024 · Amount on File
Prior SaleOct 2, 2020 · Amount on File
Deed Document Number2476744
Deed Book / Page3295 / 689
Record UpdatedJun 8, 2026

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateOct 2, 2020
Property Address206 2ND ST, KEY LARGO, FL 33037-4837
Document Number0030480212
Book / Page3048 / 212
Map ReferenceMB 4 PG 92
Instrument DateOct 2, 2020
Instrument2284449
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,045.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 753, KEY LARGO, FL 33037

Transferred To (Grantee/Buyer)

NameVerified Name
Address206 2ND ST, KEY LARGO, FL 33037-4837

Mortgage

Document Number0003048214
DateOct 2, 2020
Instrument3048/214
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2050

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$575,142 Land $358,800 Building $216,342$575,142 Land $358,800 Building $216,342
2024$3,346.00 (+4.73%)
2023$3,195.00 (+5.45%) Homeowner's exemption$349,262 (+3%)$542,297 (+11.92%) Land $330,000 Building $212,297
2022$3,030.00 Homeowner's exemption$339,090$484,531 Land $270,000 Building $214,531

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

FEMA maps place 206 2nd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 225 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies225 in force
Nearby Flood Claims29 (2017–2023)
Most Recent ClaimNov 2023 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 28 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

The area around 206 2nd St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land within ember reach

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 178 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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