233 la Paloma Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 233 la Paloma Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,224 sqft · built 2002
Lot Size	0.139 acres (6,060 sqft)
Owner	Individual Name on File
Last Sale	$1,200,000 (Jul 2025)
Tax Bill	$7,788 (2024)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00546760-000000`

Property Details

APN / Parcel Number

Primary APN	`00546760-000000`
Alternative APNs	`22613900546760000000` `1670243`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,224 sqft Living Area
1st Floor Area	1,224 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2013
Exterior Material	Other
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,060 sqft (0.139 acres)
Lot Dimensions	101 ft deep x 60 ft wide
Garage Area	561 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	368 sqft
Patio Area	850 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1670243
Old Parcel Number	22613900546760000000
Street Address	233 LA PALOMA RD
City	KEY LARGO
State	FL
Zip	33037-4652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 6 LT 5 WINSTON WATERWAYS #2 PB5-29 KEY LARGO OR505-201 OR783-1218 OR783-1740 OR818-483 OR818-485 OR818-487 OR818-489
Legal Range	39E
Legal Township	61S
Legal Section	22
Legal Subdivision	WINSTON WATERWAYS NO 2
Legal Block	6
Legal Lot Number	5
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2011
Census Tract	970400

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

233 la Paloma Rd is owned by an individual who bought it in July 2025.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	8116 NW 162ND ST, MIAMI LAKES, FL 33016-6109
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	2 Names on Deed
Last Sale	Jul 31, 2025 · Amount on File
Deed Sale	Jul 31, 2025 · Amount on File
Prior Sale	Nov 10, 2021 · Amount on File
Deed Document Number	2510118
Deed Book / Page	3338 / 317
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 10, 2021
Property Address	233 LA PALOMA RD, KEY LARGO, FL 33037-4652
Document Number	0031362269
Book / Page	3136 / 2269
Map Reference	MB 5 PG 29
Instrument Date	Oct 25, 2021
Instrument	2348015
Transaction Type	Transfer
Record Updated	Nov 26, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3700 SW 137TH AVE, 3700, MIRAMAR, FL 33027-3209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 LA PALOMA RD, KEY LARGO, FL 33037-4652

Mortgage

Document Number	31362271
Date	Nov 10, 2021
Instrument	3136/2271

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$974,618 Land $673,751 Building $300,867	$974,618 Land $673,751 Building $300,867
2024	$7,788.00 (+1.59%)
2023	$7,666.00 (+13%)	$878,642 (+11.11%) Land $590,305 Building $288,337	$878,642 (+11.11%) Land $590,305 Building $288,337
2022	$6,784.00	$790,792 Land $503,768 Building $287,024	$790,792 Land $503,768 Building $287,024

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

Flood

FEMA maps place 233 la Paloma Rd 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 245 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	245 in force
Nearby Flood Claims	161 (1992–2023)
Claims Outside the SFHA	6 of 161
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 91 claims Hurricane Irene, Oct 1999 · 31 claims Hurricane Georges, Sep 1998 · 11 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

Wildfire risk around 233 la Paloma Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 344 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