235 2nd Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 235 2nd Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,128 sqft · built 1958
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Apr 2021)
Tax Bill	$5,273 (2024)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Feb 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00475590-000000`

Property Details

APN / Parcel Number

Primary APN	`00475590-000000`
Alternative APNs	`11613900475590000000` `1582719`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2018
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	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1582719
Street Address	235 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 19 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR288-292 OR695-314 PROB OR1590-1815 OR2457-75 OR2864-2140 OR2948-2006 OR3086-1813
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	8
Legal Lot Number	19
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	Individual Name on Record
Mailing Address	235 2ND RD, KEY LARGO, FL 33037-4835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Warranty Deed, Transfer · Conventional Mortgage CAPITAL INTERNATIONAL FINANCIAL INC
Feb 12, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jul 18, 2017	Warranty Deed, Transfer SUNSHINE TITLE CORPORATION, SUNSHINE TITLE CORP
Jun 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage EAST COAST MTG LNDRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2021 · Amount on Record
Deed Sale	Apr 5, 2021 · Amount on Record
Prior Sale	Jul 18, 2017 · Amount on Record
Deed Document Number	20212312013
Deed Book / Page	3086 / 1813
Prior Transfer Date	Feb 12, 2019
Prior Transfer Doc	0029482006
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 5, 2021
Property Address	235 2ND RD, KEY LARGO, FL 33037-4835
Document Number	0030861813
Book / Page	3086 / 1813
Map Reference	MB 4 PG 92
Instrument Date	Mar 30, 2021
Instrument	2312013
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	E C TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	616 ISLAND DR, 616, KEY LARGO, FL 33037-4808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 2ND RD, KEY LARGO, FL 33037-4835

Mortgage

Document Number	0030861815
Date	Apr 5, 2021
Instrument	3086/1815

Lender

Name	CAPITAL INTERNATIONAL FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 12, 2019
Property Address	235 2ND RD, KEY LARGO, FL 33037-4835
Document Number	0029482006
Book / Page	002948 / 002006
Instrument Date	Feb 12, 2019
Instrument	2206195
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	616 ISLAND DR KEY LARGO FL 330374808, KEY LARGO, FL 33037-4808

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 18, 2017
Property Address	235 2ND RD, KEY LARGO, FL 33037-4835
Document Number	0028642140
Book / Page	002864 / 002140
Instrument Date	Jul 12, 2017
Instrument	2131554
Transaction Type	Transfer
Record Updated	Aug 7, 2017
Title Company	SUNSHINE TITLE CORPORATION, SUNSHINE TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$2,240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 ISLAND DR KEY LARGO FL 330374808, KEY LARGO, FL 33037-4808

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	235 2ND RD, KEY LARGO, FL 33037-4835
Document Number	0028602085
Book / Page	002860 / 002085
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Jul 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	235 2ND RD KEY LARGO FL 330374835, KEY LARGO, FL 33037-4835

Mortgage

Document Number	0028602085
Date	Jun 22, 2017
Book Page	002860/002085
Instrument	2128222

Lender

Name	EAST COAST MTG LNDRS
Type	Mortgage Company
Address	PALM CITY, FL 34990

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 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		$515,864 (-1.58%) Land $312,000 Building $203,864	$515,864 (-1.58%) Land $312,000 Building $203,864
2024	$5,273.00 (+8.72%)
2023	$4,850.00 (+13.4%)	$524,167 (+13.51%) Land $330,000 Building $194,167	$524,167 (+13.51%) Land $330,000 Building $194,167
2022	$4,277.00	$461,786 Land $270,000 Building $191,786	$461,786 Land $270,000 Building $191,786

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

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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