Monroe County property record for 281 Saint Thomas Ave, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,724 sqft · built 2001 |
| Lot Size | 0.215 acres (9,375 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,460,000 (Sep 2020) |
| Tax Bill | $14,929 (2024) |
| Deeds & Mortgages | Nov 2020 Mortgage Sep 2020 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 00453473-002400 |
| Primary APN | 00453473-002400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 3 Stories |
| Building Area | 3,724 sqft Living Area |
| 1st Floor Area | 3,724 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,375 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Area | 250 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,582 sqft |
| Patio Area | 1,500 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1554049 |
|---|---|
| Old Parcel Number | 33613900453473002400 |
| Street Address | 281 SAINT THOMAS AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 281 PORT LARGO THIRD ADDITION KEY LARGO PB6-58 OR473-820 OR676-79 OR692-643/C OR692-644 OR1356-1717 OR1523-1261/62 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 33 |
| Legal Subdivision | PORT LARGO 3RD ADD |
| Legal Lot Number | 281 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 970500 |
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 5, 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 | 800 LUGO AVE, CORAL GABLES, FL 33156-6321 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 14, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2020 · Amount on Record |
| Deed Sale | Sep 14, 2020 · Amount on Record |
| Prior Sale | Jun 12, 2002 · Amount on Record |
| Deed Document Number | 2281644 |
| Deed Book / Page | 3044 / 302 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 281 SAINT THOMAS AVE, KEY LARGO, FL 33037-4321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 800 LUGO AVE, CORAL GABLES, FL 33156-6321 |
| Document Number | 0030540412 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 3054/412 |
| Instrument | 2289128 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 14, 2020 |
| Property Address | 281 SAINT THOMAS AVE, KEY LARGO, FL 33037-4321 |
| Document Number | 0030440302 |
| Book / Page | 003044 / 000302 |
| Instrument Date | Jul 15, 2020 |
| Instrument | 2281644 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $10,220.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 800 LUGO AVE CORAL GABLES FL 331566321, CORAL GABLES, FL 33156-6321 |
Source: Monroe County assessment roll, as of July 1, 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 | $2,097,579 (+5.96%) Land $1,218,750 Building $878,829 | $2,097,579 (+5.96%) Land $1,218,750 Building $878,829 | |
| 2024 | $14,929.00 (+6.19%) | ||
| 2023 | $14,059.00 (+12.87%) | $1,979,646 (+10.66%) Land $1,148,438 Building $831,208 | $1,979,646 (+10.66%) Land $1,148,438 Building $831,208 |
| 2022 | $12,456.00 | $1,788,992 Land $946,875 Building $842,117 | $1,788,992 Land $946,875 Building $842,117 |
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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 595 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 839 units insured incl. 244 condo units |
| Nearby Flood Claims | 304 (1983–2025) |
| Claims Outside the SFHA | 8 of 304 |
| Most Recent Claim | Oct 2025 · 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 | Not rated no burnable land within 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 317 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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