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3 Beach Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 3 Beach Rd, Key Largo, FL 33037 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,154 sqft · built 1984
Lot Size0.421 acres (18,376 sqft)
OwnerIndividual Name on File
Tax Bill$4,335 (2024)
Deeds & MortgagesOct 2021 Mortgage
Flood ZoneZone VE (high risk)
APN00502770-000000

Property Details

APN / Parcel Number

Primary APN00502770-000000
Alternative APNs
  • 33613900502770000000
  • 1620637

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories3 Stories
Building Area2,154 sqft Living Area
1st Floor Area1,684 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 2008
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypePile
Roof TypeCathedral/Clerestory
Roof MaterialTile
Lot Area18,376 sqft (0.421 acres)
Garage Area273 sqft

Exterior Amenities

Pool TypePublic / Commercial Pool
PorchOpen Porch
Porch Area1,339 sqft
Patio Area360 sqft
FenceFence
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1620637
Old Parcel Number33613900502770000000
Street Address3 BEACH RD
CityKEY LARGO
StateFL
Zip33037-4334
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionN 1/2 TRACT H AND PT GOV LT 3 (AKA BAYBTM) KEY LARGO BEACH KEY LARGO J2-217 (II DEED) OR29-297/98 OR47-160 OR274-442 OR
Legal Range39E
Legal Township61S
Legal Section33
Legal SubdivisionKEY LARGO BEACH
Legal TractH
Legal Lot Number3
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2015
Census Tract970500

Owner

Source: Monroe County records · APN 00502770-000000

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing AddressPO BOX 371566, KEY LARGO, FL 33037-1566
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 03, 2003
Deed SaleDec 03, 2003
Deed Document Number1412396
Record UpdatedJun 08, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address3 BEACH RD, KEY LARGO, FL 33037-4334
Transaction TypeMortgage
Record UpdatedNov 03, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 371566, KEY LARGO, FL 33037-1566

Mortgage

Document Number0031321338
DateOct 19, 2021
Book Page3132/1338
Instrument2344721
Lender
NameTRUIST BANK
TypeBank
AddressRICHMOND, VA 23224
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 01, 2036

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$497,268 (+5.99%)$1,899,987 (+29.11%) Land $1,384,210 Building $515,777
2024$4,335.00 (+4.13%)
2023$4,163.00 (+5.74%) Homeowner's exemption$469,179 (+3%)$1,471,583 (+33.65%) Land $1,048,966 Building $422,617
2022$3,937.00 Homeowner's exemption$455,514$1,101,102 Land $719,910 Building $381,192

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 120879705002, 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 VE
coastal, wave action
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 595 individual NFIP policies nearby
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies839 units insured
244 under condo master policies
Nearby Flood Claims304 (1983–2025)
Claims Outside the SFHA8 of 304
Most Recent ClaimOct 2025, rainfall accumulation
Claims By Storm
  • Hurricane Irma, Sep 2017 · 221 claims
  • Hurricane Irene, Oct 1999 · 24 claims
  • Hurricane Georges, Sep 1998 · 24 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 425 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20
AT&TDSL100 / 20

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

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