Monroe County property record for 27 Halfway Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 5,386 sqft · built 2009 |
| Lot Size | 0.364 acres (15,862 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $3,800,000 (Sep 2019) |
| Tax Bill | $37,901 (2024) |
| Deeds & Mortgages | Sep 2025 Mortgage Jan 2021 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00572221-005600 |
| Primary APN | 00572221-005600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 5,386 sqft Living Area |
| Gross Area | 5,836 sqft |
| 1st Floor Area | 5,386 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 15,862 sqft (0.364 acres) |
| Garage Type | Attached |
| Garage Area | 450 sqft |
| Pool Area | 336 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 2,024 sqft |
| Patio Area | 3,380 sqft |
| Cooling System | HVAC |
|---|
| Account Number | 1706353 |
|---|---|
| Street Address | 27 HALFWAY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3786 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK 20 LT 27 GRAYVIK EXTENSION - OCEAN REEF PLAT NO 2 KEY LARGO PB6-28 OR612-465 OR1157-1222/37 OR1172-638D/C OR1183-288/90ORD OR1214-1541/42 OR2290-935/60 OR2337-1635/37 OR2337-1649AFF OR2337-1650/51AFF OR2557-1543/45 OR2760-628/30 OR2984-1402 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 12 |
| Legal Subdivision | GRAYVIK EXT O.R. #2 |
| Legal Block | 20 |
| Legal Lot Number | 27 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 972700 |
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 | 815 MARLOWE RD, 8, RALEIGH, NC 27609-7048 |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Sep 4, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jan 4, 2021 | Deed of Trust, Mortgage · Line of Credit DOGWOOD STATE BANK |
| Sep 12, 2019 | Warranty Deed, Transfer · Commercial Mortgage SOUND BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2019 · Amount on Record |
| Deed Sale | Sep 12, 2019 · Amount on Record |
| Prior Sale | Sep 11, 2015 · Amount on Record |
| Deed Document Number | 20192236407 |
| Deed Book / Page | 2984 / 1402 |
| Last Transfer Date | Mar 28, 2025 |
| Transfer Doc | 0033190068 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 27 HALFWAY RD, KEY LARGO, FL 33037-3786 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 815 MARLOWE RD 8, 8, RALEIGH, NC 27609-7048 |
| Document Number | 0033430957 |
|---|---|
| Date | Sep 4, 2025 |
| Book Page | 3343/957 |
| Instrument | 2514100 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Oct 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Max Rate | 11.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 27 HALFWAY RD, KEY LARGO, FL 33037-3786 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 816 MARLOWE RD 8, 8, RALEIGH, NC 27609-7047 |
| Document Number | 0030670229 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 3067/229 |
| Instrument | 2297818 |
| Name | DOGWOOD STATE BANK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27609 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 12, 2019 |
| Property Address | 27 HALFWAY RD, KEY LARGO, FL 33037-3786 |
| Document Number | 0029841402 |
| Book / Page | 2984 / 1402 |
| Map Reference | MB 6 PG 28 |
| Instrument Date | Aug 12, 2019 |
| Instrument | 2236407 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26,600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12395 CYPRESS ISLAND WAY, 12395, WELLINGTON, FL 33414-7099 |
| Name | Verified Name |
|---|---|
| Address | 815 MARLOWE RD APT 8, 8, RALEIGH, NC 27609-7048 |
| Document Number | 0029841404 |
|---|---|
| Date | Sep 12, 2019 |
| Instrument | 2984-1404 |
| Name | SOUND BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 | $7,444,628 (+12.68%) Land $4,145,732 Building $3,298,896 | $7,444,628 (+12.68%) Land $4,145,732 Building $3,298,896 | |
| 2024 | $37,901.00 (+6.24%) | ||
| 2023 | $35,675.00 (+25.64%) | $6,607,088 (+39.69%) Land $3,594,329 Building $3,012,759 | $6,607,088 (+39.69%) Land $3,594,329 Building $3,012,759 |
| 2022 | $28,394.00 | $4,729,922 Land $2,062,655 Building $2,667,267 | $4,729,922 Land $2,062,655 Building $2,667,267 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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 104 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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