21 N End Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 21 N End Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,104 sqft · built 2005
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$501,500 (Aug 2026)
Tax Bill	$843 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00538330-000000`

Property Details

APN / Parcel Number

Primary APN	`00538330-000000`
Alternative APNs	`06614000538330000000` `1661848`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Porch	Open Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1661848
Street Address	21 N END RD
City	KEY LARGO
State	FL
Zip	33037-5011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 2 LT 3 OCEAN ISLE EST PB5-14 KEY LARGO OR580-947 OR1840-347 OR1840-348 OR2220-1582/88DEC/REST OR2220-1621 OR3286-925 OR3292-2335
Legal Range	40E
Legal Township	61S
Legal Section	06
Legal Subdivision	OCEAN ISLE ESTATE
Legal Block	2
Legal Lot Number	3
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1034
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

21 N End Rd is owned and occupied by two individuals who bought it in August 2026.

Source: Monroe County records, as of August 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 N END RD, KEY LARGO, FL 33037-5011
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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	Aug 21, 2026 · Amount on File
Deed Sale	Aug 21, 2026 · Amount on File
Prior Sale	Sep 17, 2024 · Amount on File
Deed Document Number	20262557588
Deed Book / Page	3398 / 2412
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 21, 2026
Property Address	21 N END RD, KEY LARGO, FL 33037-5011
Document Number	0002557588
Book / Page	3398 / 2412
Instrument Date	Aug 21, 2026
Instrument	20262557588
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$354,560.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 N END RD, KEY LARGO, FL 33037-5011

Mortgage

Document Number	0002557586,
Date	Aug 21, 2026
Instrument	20262557586

Lender

Name	HABITAT FOR HUMANITY/PINELLAS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 21 N End Rd was $843, down 80.5% from the year before.

Source: Monroe County assessment roll, as of December 8, 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	$843.00 (-80.54%)	$372,563 Land $278,100 Building $94,463	$372,563 Land $278,100 Building $94,463
2024	$4,333.00 (+177.93%)
2023	$1,559.00 (+4.14%) Homeowner's exemption	$144,528 (+3%)	$419,908 (+17.59%) Land $241,020 Building $178,888
2022	$1,497.00 Homeowner's exemption	$140,319	$357,100 Land $176,130 Building $180,970

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 21 N End Rd 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 225 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	225 in force
Nearby Flood Claims	29 (2017–2023)
Most Recent Claim	Nov 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

Wildfire risk around 21 N End Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20