Monroe County property record for 21 Swallow Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,584 sqft · built 2019 |
| Lot Size | 0.083 acres (3,600 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $125,000 (Apr 2013) |
| Tax Bill | $6,969 (2024) |
| Deeds & Mortgages | Feb 2024 Transfer Jun 2020 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00532701-028800 |
| Primary APN | 00532701-028800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 4 Stories |
| Building Area | 2,584 sqft Living Area |
| Attic | Attic |
| Attic Area | 776 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Reinforced Concrete |
| Roof Material | Concrete |
| Lot Area | 3,600 sqft (0.083 acres) |
| Lot Dimensions | 80 ft deep x 45 ft wide |
| View / Lot | Canal |
| Garage Type | Carport |
| Garage Area | 776 sqft |
| Carport | Carport |
| Carport Area | 776 sqft |
| Porch | Open Porch |
| Patio Area | 1,336 sqft |
| Boat Access | Boat Access |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1654752 |
|---|---|
| Street Address | 21 SWALLOW RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 11 LT 3 SEXTON COVE ESTATES - RESUBDIVISION KEY LARGO PB6-30 OR535-86 OR1379-5 OR1379-6/7 OR1896-2468 OR2624-1810 OR2682-202 OR3261-0320 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 01 |
| Legal Subdivision | SEXTON COVES ESTATES |
| Legal Block | 11 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 972700 |
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.
21 Swallow Rd is owned by a company that acquired it in February 2024 and is owner-occupied.
Source: Monroe County records, as of December 8, 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 | 2 Company Names on File |
|---|---|
| Mailing Address | 21 SWALLOW RD, KEY LARGO, FL 33037-3032 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Feb 2, 2024 | Intrafamily Transfer, Transfer |
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Jun 6, 2017 | Deed of Trust, Mortgage · ARM CENTENNIAL BANK |
| Apr 30, 2019 | Loan Modification, Mortgage CENTENNIAL BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2013 · Amount on File |
| Deed Sale | Apr 23, 2013 · Amount on File |
| Prior Sale | Jun 11, 2003 · Amount on File |
| Deed Document Number | 20131929828 |
| Deed Book / Page | 2624 / 1810 |
| Last Transfer Date | Feb 1, 2024 |
| Transfer Doc | 0032610320 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 2, 2024 |
| Property Address | 21 SWALLOW RD, KEY LARGO, FL 33037-3032 |
| Document Number | 0032610320 |
| Book / Page | 3261 / 320 |
| Map Reference | MB 6 PG 30 |
| Instrument Date | Feb 1, 2024 |
| Instrument | 2449913 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21 SWALLOW RD, KEY LARGO, FL 33037-3032 |
| Name | Verified Name |
|---|---|
| Address | 21 SWALLOW RD, KEY LARGO, FL 33037-3032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 21 SWALLOW RD, KEY LARGO, FL 33037-3032 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030290333 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 3029/333 |
| Instrument | 2271216 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 21 SWALLOW RD, KEY LARGO, FL 33037-3032 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028580300 |
|---|---|
| Date | Jun 6, 2017 |
| Book Page | 2858/0300 |
| Instrument | 2126103 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Jul 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 21 SWALLOW RD, KEY LARGO, FL 33037-3032 |
| Document Number | 0029631369 |
| Instrument Date | Apr 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 21 SWALLOW RD KEY LARGO FL 33037, KEY LARGO, FL 33037 |
| Document Number | 0029631369 |
|---|---|
| Date | May 10, 2019 |
| Book Page | 002963/001369 |
| Instrument | 2219443 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72032 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 9, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
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 | $844,627 | $1,242,828 Land $489,447 Building $753,381 | |
| 2024 | $6,969.00 (+3.44%) | ||
| 2023 | $6,737.00 (+6.19%) Homeowner's exemption | $796,917 (+3%) | $1,071,691 (+4.49%) Land $343,440 Building $728,251 |
| 2022 | $6,344.00 Homeowner's exemption | $773,706 | $1,025,616 Land $286,200 Building $739,416 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Swallow 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 433 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 660 units insured incl. 227 condo units |
| Nearby Flood Claims | 80 (1999–2024) |
| Claims Outside the SFHA | 1 of 80 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Wildfire risk around 21 Swallow Rd is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 228 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures