3 Coconut Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 3 Coconut Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,292 sqft · built 2021
Lot Size	0.059 acres (2,600 sqft)
Owner	Individual Name on Record
Last Sale	$595,000 (Oct 2025)
Tax Bill	$4,413 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage May 2021 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`00526710-000100`

Property Details

APN / Parcel Number

Primary APN	`00526710-000100`
Alternative APN	`9103895`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,292 sqft Living Area

Exterior

Year Built	Built 2021
Exterior Material	Other
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,600 sqft (0.059 acres)
Lot Dimensions	50 ft deep x 52 ft wide
Fence	Fence

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	9103895
Street Address	3 COCONUT DR
City	KEY LARGO
State	FL
Zip	33037-2565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 15 LT 15 AMD PLAT OF PB3-62 KEY LARGO PARK KEY LARGO OR564-869 OR799-396 OR799-397 OR945-944 OR1110-2129 OR1293-451
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	KEY LARGO PARK AMD
Legal Block	15
Legal Lot Number	15
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1021
Census Tract	970500

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 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	3 COCONUT DR, KEY LARGO, FL 33037-2565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
May 11, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 11, 2021	Warranty Deed, Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO
Nov 30, 2017	Warranty Deed, Transfer COASTAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	May 11, 2021 · Amount on Record
Deed Document Number	2520049
Deed Book / Page	3351 / 69
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 27, 2025
Property Address	3 COCONUT DR, KEY LARGO, FL 33037-2565
Document Number	0033510069
Book / Page	3351 / 69
Map Reference	MB 3 PG 62
Instrument Date	Oct 15, 2025
Instrument	2520049
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 COCONUT DR, KEY LARGO, FL 33037-2565

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 COCONUT DR, KEY LARGO, FL 33037-2565

Mortgage

Document Number	0000335171
Date	Oct 27, 2025
Instrument	3351/71

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	0033510084
Date	Oct 27, 2025
Book Page	3351/84
Instrument	2520051

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57108

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	May 11, 2021
Property Address	3 COCONUT DR, KEY LARGO, FL 33037-2565
Document Number	0030960883
Book / Page	3096 / 883
Map Reference	MB 3 PG 62
Instrument Date	May 10, 2021
Instrument	2318771
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$259.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 371819, KEY LARGO, FL 33037-1819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 COCONUT DR, KEY LARGO, FL 33037-2565

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 11, 2021
Property Address	3 COCONUT DR, KEY LARGO, FL 33037-2565
Document Number	0030961306
Book / Page	3096 / 1306
Map Reference	MB 3 PG 62
Instrument Date	May 10, 2021
Instrument	2318873
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$3,395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100410 OVERSEAS HWY STE 301, 301, KEY LARGO, FL 33037-2556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 COCONUT DR, KEY LARGO, FL 33037-2565

Mortgage

Document Number	0030961308
Date	May 11, 2021
Instrument	3096/1308

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Mortgage

Document Number	0030961710
Date	May 12, 2021
Book Page	3096/1710
Instrument	2318975

Lender

Name	KEY LARGO 432 LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 1, 2036

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 30, 2017
Property Address	3 COCONUT DR, KEY LARGO, FL 33037-2565
Document Number	0028810441
Book / Page	002881 / 000441
Instrument Date	Nov 30, 2017
Instrument	2145616
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	COASTAL TITLE

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 371819 KEY LARGO FL 330371819, KEY LARGO, FL 33037-1819

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		$494,466 (+2.9%)	$501,393 (+0.74%) Land $208,715 Building $292,678
2024	$4,413.00 (+4.01%) Homeowner's exemption	$480,531 (+3%)	$497,695 (+6.68%) Land $210,912 Building $286,783
2023	$4,243.00 (+5.1%) Homeowner's exemption	$466,535 (+2.45%) Land $197,730 Building $268,805	$466,535 (-0.6%) Land $197,730 Building $268,805
2022	$4,037.00 Homeowner's exemption	$455,386	$469,373 Land $197,730 Building $271,643

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

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 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 177 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	204 units insured incl. 27 condo units
Nearby Flood Claims	50 (1984–2025)
Claims Outside the SFHA	8 of 50
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Wilma, Oct 2005 · 20 claims Hurricane Georges, Sep 1998 · 9 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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 222 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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