23 Coconut Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 23 Coconut Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,428 sqft · built 2016
Lot Size	0.06 acres (2,600 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Jul 2017)
Tax Bill	$2,199 (2024)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00526800-000000`

Property Details

APN / Parcel Number

Primary APN	`00526800-000000`
Alternative APNs	`28613900526800000000` `1646032`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,428 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,600 sqft (0.06 acres)
Lot Dimensions	50 ft deep x 52 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1646032
Street Address	23 COCONUT DR
City	KEY LARGO
State	FL
Zip	33037-2565
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 15 LT 24 KEY LARGO PARK KEY LARGO AMEND PLAT OF PB3-62OR470-31 OR813-956 OR842-754 OR2210-684R/S OR2731-2207D/C OR2718-1793 OR2731-2203 OR2864-2325/26
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	KEY LARGO PARK AMD
Legal Block	15
Legal Lot Number	24
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1021
Census Tract	970500

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

23 Coconut Dr is owned and occupied by an individual who bought it in July 2017.

Source: Monroe County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	23 COCONUT DR, KEY LARGO, FL 33037-2565
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2017 · Amount on File
Deed Sale	Jul 18, 2017 · Amount on File
Prior Sale	Mar 27, 2015 · Amount on File
Deed Document Number	20172131622
Deed Book / Page	2864 / 2325
Prior Transfer Date	May 28, 2003
Prior Transfer Doc	0022100684
Record Updated	Jun 8, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 18, 2017
Property Address	23 COCONUT DR, KEY LARGO, FL 33037
Document Number	0028642325
Book / Page	2864 / 2325
Map Reference	MB3 PG62
Instrument Date	Jun 21, 2017
Instrument	2131622
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1204 SARATOGA LN, 1204, KEY LARGO, FL 33037-2813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1584 ORION LN, WESTON, FL 33327-2327

Mortgage

Document Number	0002131623
Date	Jul 18, 2017
Instrument	2131623

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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		$221,936	$549,926 Land $208,715 Building $341,211
2024	$2,199.00 (+5.98%)
2023	$2,075.00 (+4.8%) Homeowner's exemption	$209,400 (+3%)	$514,733 (-0.68%) Land $197,730 Building $317,003
2022	$1,980.00 Homeowner's exemption	$203,301	$518,272 Land $197,730 Building $320,542

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

Flood

FEMA maps place 23 Coconut 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 177 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	204 units insured incl. 27 condo units
Nearby Flood Claims	50 (1984–2025)
Claims Outside the SFHA	8 of 50
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Wilma, Oct 2005 · 20 claims Hurricane Georges, Sep 1998 · 9 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

The area around 23 Coconut 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 222 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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