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28 Robert St, Key Largo, FL 33037 Property Records

Monroe County property record for 28 Robert St, Key Largo, FL 33037 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,014 sqft · built 1987
Lot Size0.091 acres (3,940 sqft)
Owner2 Individual Names on File
Last Sale$210,000 (Nov 2015)
Tax Bill$2,093 (2025)
Deeds & MortgagesFeb 2018 Mortgage
Flood ZoneZone X (moderate risk)
APN00509360-000000

Property Details

APN / Parcel Number

Primary APN00509360-000000
Alternative APNs
  • 12613900509360000000
  • 1628689

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,014 sqft Living Area
1st Floor Area1,014 sqft
FlooringTerrazzo
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 2000
Exterior MaterialCombination
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area3,940 sqft (0.091 acres)
Lot Dimensions100 ft deep x 50 ft wide
PorchSlab
Porch Area182 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Account Number1628689
Street Address28 ROBERT ST
CityKEY LARGO
StateFL
Zip33037-4861
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 4 LT 28 LARGO CITY PB4-142 KEY LARGO OR552-695 OR944-612/13 OR1013-1497 OR1058-219 OR1058-220AFF OR1360-1559 OR1993-1384 OR2133-1464/65T/C OR2670-1285 OR2674-435C OR2767-2326/27
Legal Range39E
Legal Township61S
Legal Section12
Legal SubdivisionLARGO CITY
Legal Block4
Legal Lot Number28
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1030
Census Tract972700

Owner

Source: Monroe County records · APN 00509360-000000

Assessment roll updated December 8, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address28 ROBERT ST, KEY LARGO, FL 33037-4861
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 03, 2015 · Amount on Record
Deed SaleNov 03, 2015 · Amount on Record
Prior SaleMar 30, 2004 · Amount on Record
Deed Document Number20152051834
Deed Book / Page2767 / 2326
Prior Transfer DateNov 28, 2005
Prior Transfer Doc0021710314
Record UpdatedJun 08, 2026

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address28 ROBERT ST, KEY LARGO, FL 33037-4861
Document Number0028921034
Instrument DateFeb 06, 2018
Transaction TypeMortgage
Record UpdatedFeb 27, 2018
Title CompanySUNSHINE TITLE CORPORATION

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address28 ROBERT ST KEY LARGO FL 330374861, KEY LARGO, FL 33037-4861

Mortgage

Document Number0028921034
DateFeb 16, 2018
Book Page002892/001034
Instrument2155825
Lender
NameBRANCH BK&TR
TypeBank
AddressWILSON, NC 27893
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 15, 2048

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,093.00 (+4.34%) Homeowner's exemption$195,383 (+5.99%)$343,071 (+12.52%) Land $196,803 Building $146,268
2024$2,006.00 (+6.36%)
2023$1,886.00 (+4.55%) Homeowner's exemption$184,347 (+3%)$304,908 (+21.12%) Land $182,974 Building $121,934
2022$1,804.00 Homeowner's exemption$178,978$251,733 Land $129,784 Building $121,949

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879727001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 225 individual NFIP policies nearby
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies225 in force
Nearby Flood Claims29 (2017–2023)
Most Recent ClaimNov 2023, rainfall accumulation
Claims By Storm
  • Hurricane Irma, Sep 2017 · 28 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Listed AreaWithin 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 177 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable1,200 / 35
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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