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23 Abaco Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 23 Abaco Rd, Key Largo, FL 33037 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,320 sqft · built 1995
Lot Size0.138 acres (6,000 sqft)
Owner2 Individual Names on File
Last Sale$115,000 (Jul 1995)
Tax Bill$1,809 (2024)
Deeds & MortgagesOct 2017 Mortgage
Flood ZoneZone AE (high risk)
APN00538670-000000

Property Details

APN / Parcel Number

Primary APN00538670-000000
Alternative APNs
  • 06614000538670000000
  • 1662186

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,320 sqft Living Area
1st Floor Area1,320 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,000 sqft (0.138 acres)
Lot Dimensions100 ft deep x 60 ft wide
PorchOpen Porch
Porch Area180 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1662186
Street Address23 ABACO RD
CityKEY LARGO
StateFL
Zip33037-5001
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 3 LT 5 OCEAN ISLE EST PB5-14 KEY LARGO OR454-714 OR728-685 OR789-1785QC OR809-624 OR1299-2265 OR1360-1593 OR2038-1394/95FJ OR2051-1585(TM) OR3287-1518
Legal Range40E
Legal Township61S
Legal Section06
Legal SubdivisionOCEAN ISLE ESTATE
Legal Block3
Legal Lot Number5
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1012
Census Tract972700

Owner

Source: Monroe County records · APN 00538670-000000

Assessment roll updated December 8, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address23 ABACO RD, KEY LARGO, FL 33037-5001
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 06, 1995 · Amount on Record
Deed SaleJul 06, 1995 · Amount on Record
Prior SaleMar 30, 1994 · Amount on Record
Deed Book / Page1360 / 1593
Last Transfer DateAug 06, 2024
Transfer Doc0032871518
Record UpdatedSep 20, 2026

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address23 ABACO RD, KEY LARGO, FL 33037-5001
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0028751983
DateOct 20, 2017
Book Page2875/1983
Instrument2140552
Lender
NamePNC MORTGAGE LLC
TypeLending Institution
AddressMIAMISBURG, OH 45342
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 01, 2032

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$171,086 (+5.99%)$480,787 (+11.33%) Land $278,100 Building $202,687
2024$1,809.00 (+6.85%)
2023$1,693.00 (+4.31%) Homeowner's exemption$161,423 (+3%)$431,846 (+16.1%) Land $241,020 Building $190,826
2022$1,623.00 Homeowner's exemption$156,722$371,966 Land $176,130 Building $195,836

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879727001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 225 individual NFIP policies nearby
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 Storm
  • Hurricane Irma, Sep 2017 · 28 claims

Wildfire

Wildfire RiskLow
above 34% of the US · above 8% of Florida
Wildfire LikelihoodAbout 1 in 3,030 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 188 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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