277 King Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 277 King Ave, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 864 sqft · built 2020
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Dec 2015)
Tax Bill	$4,199 (2024)
Deeds & Mortgages	Nov 2019 Construction Loan Oct 2020 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`00564147-001800`

Property Details

APN / Parcel Number

Primary APN	`00564147-001800`
Alternative APN	`1690368`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	864 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Covered
Garage Area	648 sqft
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1690368
Street Address	277 KING AVE
City	KEY LARGO
State	FL
Zip	33037-4809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URM
Legal Description	BK 11 LT 8 KEY LARGO MOBILE HOMESITES PLAT NO 4 PB6-15 OR778-1547/48 OR870-1369 OR1657-1379T/D OR1661-1356 OR2728-1781/82 OR2773-2374/75
Legal Range	39E
Legal Township	61S
Legal Section	12
Legal Subdivision	KEY LARGO MOBILE HOMESITE PLAT #4
Legal Block	11
Legal Lot Number	8
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1028
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	277 KING AVE, KEY LARGO, FL 33037-4809
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST HORIZON BANK
Oct 5, 2020	Loan Modification, Mortgage · Conventional Mortgage FIRST HORIZON BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2015 · Amount on Record
Deed Sale	Dec 15, 2015 · Amount on Record
Prior Sale	Nov 7, 2000 · Amount on Record
Deed Document Number	20152056858
Deed Book / Page	2773 / 2374
Prior Transfer Date	Mar 6, 2015
Prior Transfer Doc	0027281781
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	277 KING AVE, KEY LARGO, FL 33037-4809
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029941511
Date	Nov 15, 2019
Book Page	2994/1511
Instrument	2244549

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2023
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	277 KING AVE, KEY LARGO, FL 33037-4809
Document Number	0030490142
Instrument Date	Oct 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 KING AVE KEY LARGO FL 330374809, KEY LARGO, FL 33037-4809

Mortgage

Document Number	0030490142
Date	Oct 7, 2020
Book Page	003049/000142
Instrument	2285162

Lender

Name	FIRST HORIZON BK
Type	Bank
Address	FORT MYERS, FL 33966

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

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		$481,631 (+5.99%)	$517,421 (+13.86%) Land $277,500 Building $239,921
2024	$4,199.00 (+4.19%)
2023	$4,030.00 (+31.31%) Homeowner's exemption	$454,426 (+19.89%) Land $258,000 Building $196,426	$454,426 (+19.89%) Land $258,000 Building $196,426
2022	$3,069.00	$379,044 Land $183,000 Building $196,044	$379,044 Land $183,000 Building $196,044

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 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 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 64% of the US · lower than 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 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	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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