233 2nd Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 233 2nd Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,880 sqft · built 2005
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Aug 2024)
Tax Bill	$3,770 (2024)
Deeds & Mortgages	Nov 2019 Mortgage Oct 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00475580-000000`

Property Details

APN / Parcel Number

Primary APN	`00475580-000000`
Alternative APNs	`11613900475580000000` `1582701`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,880 sqft Living Area
1st Floor Area	1,880 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Porch	Open Porch
Porch Area	200 sqft
Patio Area	18 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1582701
Street Address	233 2ND RD
City	KEY LARGO
State	FL
Zip	33037-4835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 8 LT 18 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR450-314-315 OR1634-1431 OR2199-1764 OR2855-2332 OR3289-0735
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	8
Legal Lot Number	18
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1037
Census Tract	972700

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

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1635 NW 3RD AVE, HOMESTEAD, FL 33030-3139
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Oct 25, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
May 24, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2024 · Amount on Record
Deed Sale	Aug 20, 2024 · Amount on Record
Prior Sale	Oct 25, 2019 · Amount on Record
Deed Document Number	20242471972
Deed Book / Page	3289 / 735
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	233 2ND RD, KEY LARGO, FL 33037-4835
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029921678
Date	Nov 4, 2019
Book Page	2992/1678
Instrument	2242983

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Oct 25, 2019
Property Address	233 2ND RD, KEY LARGO, FL 33037-4835
Document Number	0029910589
Book / Page	002991 / 000589
Instrument Date	Oct 25, 2019
Instrument	2241958
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	128 3RD LN KEY LARGO FL 330374654, KEY LARGO, FL 33037-4654

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 24, 2017
Property Address	233 2ND RD, KEY LARGO, FL 33037-4835
Document Number	0028552332
Book / Page	2855 / 2332
Map Reference	MB4 PG92
Instrument Date	May 19, 2017
Instrument	2124382
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CORAL REEF TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 2ND RD, KEY LARGO, FL 33037-4835

Mortgage

Document Number	0002124383
Date	May 24, 2017
Instrument	2124383

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 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		$700,837 (+74.55%) Land $358,800 Building $342,037	$700,837 (+13.37%) Land $358,800 Building $342,037
2024	$3,770.00 (+4.43%)
2023	$3,610.00 (+5.62%) Homeowner's exemption	$401,512 (+3%)	$618,173 (+10.07%) Land $330,000 Building $288,173
2022	$3,418.00 Homeowner's exemption	$389,818	$561,618 Land $270,000 Building $291,618

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record 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	Hurricane Irma, Sep 2017 · 28 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 131 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

May also be available: T-Mobile.

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