Monroe County property record for 285 Saint Thomas Ave, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,917 sqft · built 1977 |
| Lot Size | 0.288 acres (12,558 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $200,000 (Jun 1990) |
| Tax Bill | $4,411 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00453473-002800 |
| Primary APN | 00453473-002800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,917 sqft Living Area |
| 1st Floor Area | 1,169 sqft |
| Attic | Attic |
| Attic Area | 209 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Concrete |
| Construction Type | Concrete Block |
| Roof Type | Geodesic/Dome |
| Roof Material | Concrete |
| Lot Area | 12,558 sqft (0.288 acres) |
| View / Lot | Canal |
| Garage Type | Carport |
| Garage Area | 209 sqft |
| Carport | Carport |
| Carport Area | 209 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,056 sqft |
| Deck Area | 592 sqft |
| Patio Area | 1,756 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1554081 |
|---|---|
| Street Address | 285 SAINT THOMAS AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LT 285 PORT LARGO THIRD ADDITION KEY LARGO PB6-58 OR589-233 OR657-543 OR799-1833 OR802-1136 OR832-2425 OR895-704 OR1061-235 OR1133-2116 OR1354-834 OR3253-1317 OR3253-1315 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 33 |
| Legal Subdivision | PORT LARGO 3RD ADD |
| Legal Lot Number | 285 |
| 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 February 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | PO BOX 370884, KEY LARGO, FL 33037-0884 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 1990 · Amount on Record |
| Deed Sale | Jun 1, 1990 · Amount on Record |
| Prior Sale | Jul 1, 1988 · Amount on Record |
| Deed Book / Page | 1133 / 2116 |
| Last Transfer Date | Dec 5, 2023 |
| Transfer Doc | 0032531315 |
| Record Updated | Sep 20, 2026 |
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 | $507,267 (+5.99%) | $1,607,936 (-0.27%) Land $1,273,381 Building $334,555 | |
| 2024 | $4,411.00 (+4.08%) | ||
| 2023 | $4,238.00 (+5.76%) Homeowner's exemption | $478,613 (+3%) | $1,612,211 (+16.13%) Land $1,292,218 Building $319,993 |
| 2022 | $4,007.00 Homeowner's exemption | $464,673 | $1,388,304 Land $1,065,421 Building $322,883 |
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 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 |
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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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