28 Bonefish Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 28 Bonefish Ave, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,092 sqft · built 1982
Lot Size	0.232 acres (10,114 sqft)
Owner	Individual Name on File
Last Sale	$1,000,000 (Sep 2025)
Tax Bill	$7,057 (2024)
Deeds & Mortgages	Sep 2025 Sale Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00470920-000000`

Property Details

APN / Parcel Number

Primary APN	`00470920-000000`
Alternative APNs	`14613900470920000000` `1578088`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,092 sqft Living Area
1st Floor Area	2,092 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1997
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,114 sqft (0.232 acres)
Garage Area	576 sqft
Porch	Open Porch
Porch Area	644 sqft
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1578088
Old Parcel Number	14613900470920000000
Street Address	28 BONEFISH AVE
City	KEY LARGO
State	FL
Zip	33037-4722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 LTS 19-20 LARGO SOUND PARK PB3-111 KEY LARGO OR213-337 OR485-915 OR743-692 OR751-287 OR759-740 OR767-690D/C OR1225-2348
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	LARGO SOUND PARK
Legal Block	3
Legal Lot Number	19-20 20
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	4
Census Block	4012
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

Source: Monroe County assessment roll, as of July 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	1101 HERON RD, KEY LARGO, FL 33037-3817
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 2, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 15, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 19, 2025 · Amount on Record
Deed Sale	Sep 19, 2025 · Amount on Record
Prior Sale	Sep 24, 1997 · Amount on Record
Deed Document Number	2515946
Deed Book / Page	3345 / 1803
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Sep 19, 2025
Property Address	28 BONEFISH AVE, KEY LARGO, FL 33037-4722
Document Number	0033451803
Book / Page	3345 / 1803
Map Reference	MB 3 PG 111
Instrument Date	Sep 18, 2025
Instrument	2515946
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$7,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1101 HERON RD, KEY LARGO, FL 33037-3817

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	28 BONEFISH AVE, KEY LARGO, FL 33037-4722
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031350224
Date	Nov 2, 2021
Book Page	3135/224
Instrument	2346672

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	28 BONEFISH AVE, KEY LARGO, FL 33037-4722
Transaction Type	Mortgage
Record Updated	Nov 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 BONEFISH AVE, KEY LARGO, FL 33037-4722

Mortgage

Document Number	0031320037
Date	Oct 15, 2021
Book Page	3132/37
Instrument	2344364

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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		$744,106 (-5.76%) Land $447,454 Building $296,652	$744,106 (-5.76%) Land $447,454 Building $296,652
2024	$7,057.00 (+192.46%)	$789,593 (+214.89%) Land $493,845 Building $295,748	$789,593 (+7.28%) Land $493,845 Building $295,748
2023	$2,413.00 (+5%) Homeowner's exemption	$250,750 (+3%)	$736,033 (+13.12%) Land $452,691 Building $283,342
2022	$2,298.00 Homeowner's exemption	$243,447	$650,641 Land $370,384 Building $280,257

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 167 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	68 (1992–2023)
Claims Outside the SFHA	4 of 68
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 39 claims Hurricane Irene, Oct 1999 · 8 claims Hurricane Georges, Sep 1998 · 8 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 416 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 USA.

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