Monroe County property record for 23 Dispatch Creek Ct, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,854 sqft · built 1988 |
| Lot Size | 0.81 acres (35,269 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,600,000 (Jun 2013) |
| Tax Bill | $35,370 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage Feb 2019 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00573630-001800 |
| Primary APN | 00573630-001800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,854 sqft Living Area |
| 1st Floor Area | 3,854 sqft |
| Attic | Attic |
| Attic Area | 2,428 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Elevator | Elevator |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Sawtooth |
| Roof Material | Tile |
| Lot Area | 35,269 sqft (0.81 acres) |
| View / Lot | Canal |
| Garage Type | Carport |
| Garage Area | 2,428 sqft |
| Carport | Carport |
| Carport Area | 2,428 sqft |
| Pool Area | 325 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 1,647 sqft |
| Deck Area | 440 sqft |
| Patio Area | 2,570 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1710610 |
|---|---|
| Street Address | 23 DISPATCH CREEK CT |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 1 LT 23 AND ADJ PT TR B HARBOR COURSE SEC TWO O R PLAT 13 PB7-5 KEY LARGO OR733-730 OR823-1095 OR832-1395 OR1022-629 OR1268-1997/98 OR1326-865/67 OR1326-868/70 OR1379-1169/70 OR1518-455/56 OR2277-1768/71 OR2328-1277/79 OR2328-1280/82 OR2616-2168/6 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 13 |
| Legal Subdivision | HARBOR COURSE SEC 2 O.R. #13 REPLAT |
| Legal Tract | B |
| Legal Block | 1 |
| Legal Lot Number | 23 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 972700 |
23 Dispatch Creek Ct is owned by a company that bought it in June 2013 and is owner-occupied.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 23 DISPATCH CREEK CT, KEY LARGO, FL 33037-5118 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK |
| Feb 21, 2019 | Deed of Trust, Mortgage · Line of Credit IBERIABANK |
| Feb 4, 2019 | Deed of Trust, Mortgage IBERIABANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2013 · Amount on File |
| Deed Sale | Jun 11, 2013 · Amount on File |
| Prior Sale | Mar 8, 2013 |
| Deed Document Number | 20131936516 |
| Deed Book / Page | 2633 / 152 |
| Prior Transfer Date | Oct 17, 2007 |
| Prior Transfer Doc | 0023281280 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 23 DISPATCH CREEK CT, KEY LARGO, FL 33037-5118 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1152 WINDSLOW CIR, CRYSTAL LAKE, IL 60014-8572 |
| Document Number | 0030901502 |
|---|---|
| Date | Apr 19, 2021 |
| Book Page | 3090/1502 |
| Instrument | 2314844 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 23 DISPATCH CREEK CT, KEY LARGO, FL 33037-5118 |
| Document Number | 0029530756 |
| Instrument Date | Feb 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 23 DISPATCH CREEK CT KEY LARGO FL 330375118, KEY LARGO, FL 33037-5118 |
| Document Number | 0029530756 |
|---|---|
| Date | Mar 12, 2019 |
| Book Page | 002953/000756 |
| Instrument | 2210515 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | KEY LARGO, FL 33037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 11, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 23 DISPATCH CREEK CT, KEY LARGO, FL 33037-5118 |
| Document Number | 0029480513 |
| Instrument Date | Feb 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 23 DISPATCH CREEK CT KEY LARGO FL 330375118, KEY LARGO, FL 33037-5118 |
| Document Number | 0029480513 |
|---|---|
| Date | Feb 8, 2019 |
| Book Page | 002948/000513 |
| Instrument | 2205533 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | PO BOX 12440, NEW IBERIA, LA 70562-2440 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 7, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
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 | $5,399,788 | $5,455,125 Land $4,761,315 Building $693,810 | |
| 2024 | $35,370.00 (+2.01%) | ||
| 2023 | $34,672.00 (+93.12%) Homeowner's exemption | $5,094,766 (+76.2%) Land $4,417,442 Building $677,324 | $5,094,766 (+76.2%) Land $4,417,442 Building $677,324 |
| 2022 | $17,954.00 | $2,891,517 Land $2,248,399 Building $643,118 | $2,891,517 Land $2,248,399 Building $643,118 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Dispatch Creek Ct 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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 838 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 1,585 units insured incl. 747 condo units |
| Nearby Flood Claims | 78 (2005–2023) |
| Claims Outside the SFHA | 1 of 78 |
| 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.
Wildfire risk around 23 Dispatch Creek Ct is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · lower than 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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