Monroe County property record for 226 2nd Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,720 sqft · built 2006 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $312,400 (Dec 2008) |
| Tax Bill | $3,359 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 00475740-000000 |
| Primary APN | 00475740-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,720 sqft Living Area |
| 1st Floor Area | 1,720 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Slab |
| Porch Area | 36 sqft |
| Patio Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1582867 |
|---|---|
| Street Address | 226 2ND RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4832 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU-1 |
| Legal Description | BK 9 LT 10 LARGO SOUND VILLAGE PB4-92 KEY LARGO OR596-180 OR596-113 OR780-407 OR1580-1568 OR2069-1438/39 OR2273-2023 OR2273-2024 OR2391-2133/34 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 11 |
| Legal Subdivision | LARGO SOUND VILLAGE |
| Legal Block | 9 |
| Legal Lot Number | 10 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1029 |
| 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.
226 2nd Rd is owned and occupied by two individuals who bought it in December 2008.
Source: Monroe County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 226 2ND RD, KEY LARGO, FL 33037-4832 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2008 · Amount on File |
| Deed Sale | Dec 12, 2008 · Amount on File |
| Prior Sale | Feb 20, 2007 |
| Deed Document Number | 20081722764 |
| Deed Book / Page | 2391 / 2133 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 226 2ND RD, KEY LARGO, FL 33037-4832 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 266 2ND RD, KEY LARGO, FL 33037-4837 |
| Document Number | 0032290174 |
|---|---|
| Date | Jun 8, 2023 |
| Book Page | 3229/174 |
| Instrument | 2420982 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 31, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 226 2nd Rd was $3,359 with a homeowner's exemption, up 4.6% from the year before.
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 | $3,359.00 (+4.58%) Homeowner's exemption | $352,767 | $669,760 Land $312,000 Building $357,760 |
| 2024 | $3,212.00 (+4.8%) | ||
| 2023 | $3,065.00 (+5.4%) Homeowner's exemption | $332,841 (+3%) | $605,379 (+9.72%) Land $330,000 Building $275,379 |
| 2022 | $2,908.00 Homeowner's exemption | $323,147 | $551,747 Land $270,000 Building $281,747 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 226 2nd Rd 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 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 |
|
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 226 2nd Rd 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 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
5G (outdoors only) and 4G LTE
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