Monroe County property record for 22 Barracoa Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,196 sqft · built 1973 |
| Lot Size | 0.128 acres (5,586 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $387,500 (Feb 2021) |
| Tax Bill | $4,363 (2024) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Jul 2018 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 00493340-000000 |
| Primary APN | 00493340-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Geodesic/Dome |
| Roof Material | Concrete |
| Lot Area | 5,586 sqft (0.128 acres) |
| Porch | Florida Room |
|---|---|
| Porch Area | 380 sqft |
| Deck Area | 70 sqft |
| Patio Area | 70 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1609501 |
|---|---|
| Street Address | 22 BARRACOA DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS-M |
| Legal Description | BK 4 LT 12 AND 13 PIRATES COVE KEY LARGO PB3-18 OR520-170 OR1595-2289 OR2047-1874 OR2208-1776 OR2331-487 OR2465-1040/41 OR2476-2053/54 OR2476-2055/56 OR2917-1007/08 OR3072-0979 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 32 |
| Legal Subdivision | PIRATES COVE |
| Legal Block | 4 |
| Legal Lot Number | 12,13 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2062 |
| Census Tract | 970500 |
22 Barracoa Dr is owned and occupied by two individuals who bought it in February 2021.
Source: Monroe County records, as of March 19, 2026
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 Individual Names on File |
|---|---|
| Mailing Address | 22 BARRACOA DR, KEY LARGO, FL 33037-2331 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jul 18, 2018 | Grant Deed, Foreclosure · VA Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2021 · Amount on File |
| Deed Sale | Feb 1, 2021 · Amount on File |
| Prior Sale | Jul 18, 2018 · Amount on File |
| Deed Document Number | 20212301733 |
| Deed Book / Page | 3072 / 979 |
| Prior Transfer Date | Jun 16, 2010 |
| Prior Transfer Doc | 0024762053 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Feb 1, 2021 |
| Property Address | 22 BARRACOA DR, KEY LARGO, FL 33037-2331 |
| Document Number | 0030720979 |
| Book / Page | 3072 / 979 |
| Map Reference | MB 3 PG 18 |
| Instrument Date | Jan 26, 2021 |
| Instrument | 2301733 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | BAY2OCEAN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,712.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 22 BARRACOA DR, 22, KEY LARGO, FL 33037-2331 |
| Name | Verified Name |
|---|---|
| Address | 22 BARRACOA DR, KEY LARGO, FL 33037-2331 |
| Document Number | 0003072980 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 3072/980 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 18, 2018 |
| Property Address | 22 BARRACOA DR, KEY LARGO, FL 33037-2331 |
| Document Number | 0029171007 |
| Book / Page | 002917 / 001007 |
| Instrument Date | Jul 13, 2018 |
| Instrument | 2178384 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 17, 2018 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,012.50 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 22 BARRACOA DR KEY LARGO FL 330372331, KEY LARGO, FL 33037-2331 |
| Document Number | 29171009 |
|---|---|
| Date | Jul 18, 2018 |
| Book Page | 002917/001009 |
| Instrument | 2178385 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 17, 2048 |
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 | $493,381 Land $332,479 Building $160,902 | $493,381 Land $332,479 Building $160,902 | |
| 2024 | $4,363.00 (+0.14%) | ||
| 2023 | $4,357.00 (+13.94%) | $473,969 (+18.35%) Land $322,089 Building $151,880 | $473,969 (+18.35%) Land $322,089 Building $151,880 |
| 2022 | $3,824.00 | $400,470 Land $246,762 Building $153,708 | $400,470 Land $246,762 Building $153,708 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22 Barracoa Dr 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 595 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 839 units insured incl. 244 condo units |
| Nearby Flood Claims | 304 (1983–2025) |
| Claims Outside the SFHA | 8 of 304 |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| 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.
The area around 22 Barracoa Dr 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 Risk | Not rated no burnable land within 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 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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