Monroe County property record for 245 2nd Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,058 sqft · built 2014 |
| Lot Size | 0.155 acres (6,750 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $525,000 (Mar 2015) |
| Tax Bill | $4,571 (2024) |
| Deeds & Mortgages | Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00475640-000000 |
| Primary APN | 00475640-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,058 sqft Living Area |
| Gross Area | 2,370 sqft |
| 1st Floor Area | 2,058 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,750 sqft (0.155 acres) |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 419 sqft |
| Patio Area | 696 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1582760 |
|---|---|
| Street Address | 245 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 24 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR514-1033 OR829-1815 OR839-159 OR1395-1059D/C OR1397-1100/13 OR1396-1545/50WILL OR1422-1029AFF OR1444-1800/06EST OR1517-2205/06P/R OR1922-2328/29 OR2035-730R/S OR2615-78/79 OR2730-609 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 11 |
| Legal Subdivision | LARGO SOUND VILLAGE |
| Legal Block | 8 |
| Legal Lot Number | 24 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 972700 |
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.
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 | 245 2ND RD, KEY LARGO, FL 33037-4835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2015 · Amount on Record |
| Deed Sale | Mar 19, 2015 · Amount on Record |
| Prior Sale | Feb 25, 2013 · Amount on Record |
| Deed Document Number | 20152020450 |
| Deed Book / Page | 2730 / 609 |
| Prior Transfer Date | Jul 28, 2004 |
| Prior Transfer Doc | 0020350730 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 245 2ND RD, KEY LARGO, FL 33037-4835 |
| Document Number | 0029261976 |
| Instrument Date | Aug 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 245 2ND RD KEY LARGO FL 330374835, KEY LARGO, FL 33037-4835 |
| Document Number | 0029261976 |
|---|---|
| Date | Sep 12, 2018 |
| Book Page | 002926/001976 |
| Instrument | 2186428 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 11, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.79% |
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 | $530,137 (+5.99%) | $822,210 (+3.52%) Land $326,430 Building $495,780 | |
| 2024 | $4,571.00 (+4.05%) | ||
| 2023 | $4,393.00 (+5.83%) Homeowner's exemption | $500,192 (+3%) | $794,219 (+8.1%) Land $345,263 Building $448,956 |
| 2022 | $4,151.00 Homeowner's exemption | $485,624 | $734,699 Land $282,488 Building $452,211 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 178 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 |
5G (outdoors only) and 4G LTE
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