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3 Florida Dr, Key Largo, FL 33037 Property Records

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

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,264 sqft · built 1985
Lot Size0.075 acres (3,287 sqft)
OwnerIndividual Name on Record
Last Sale$450,000 (Dec 2025)
Tax Bill$3,540 (2024)
Deeds & MortgagesDec 2025 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00528920-000000

Property Details

APN / Parcel Number

Primary APN00528920-000000
Alternative APNs
  • 28613900528920000000
  • 1648159

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,264 sqft Living Area
1st Floor Area1,264 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1995
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area3,287 sqft (0.075 acres)
PorchOpen Porch
Porch Area144 sqft
Patio Area164 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1648159
Old Parcel Number28613900528920000000
Street Address3 FLORIDA DR
CityKEY LARGO
StateFL
Zip33037-2508
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 25 LT 38 AMD PLAT OF KEY LARGO PARK KEY LARGO OR442-23/24 OR535-609 OR834-749 OR865-744 Q/C
Legal Range39E
Legal Township61S
Legal Section28
Legal SubdivisionKEY LARGO PARK AMD
Legal Block25
Legal Lot Number38
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1001
Census Tract970500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

Source: Monroe County records, as of December 16, 2025

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

Owner of RecordIndividual Name on Record
Mailing Address3 FLORIDA DR, KEY LARGO, FL 33037-2508
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 1, 2025 · Amount on Record
Deed SaleDec 1, 2025 · Amount on Record
Deed Document Number2523784
Deed Book / Page3355 / 1895
Record UpdatedJun 8, 2026

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateDec 1, 2025
Property Address3 FLORIDA DR, KEY LARGO, FL 33037-2508
Document Number0033551895
Book / Page3355 / 1895
Map ReferenceMB 3 PG 62
Instrument DateNov 26, 2025
Instrument2523784
Transaction TypeTransfer
Record UpdatedDec 17, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,150.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address800 OCEANA AVE, KEY LARGO, FL 33037-4725

Transferred To (Grantee/Buyer)

NameVerified Name
Address3 FLORIDA DR, KEY LARGO, FL 33037-2508

Mortgage

Document Number0033551897
DateDec 1, 2025
Instrument3355/1897
Lender
NameSOUTH STATE BANK NA
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2055

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$407,023 (+6.97%) Land $217,669 Building $189,354$407,023 (+6.97%) Land $217,669 Building $189,354
2024$3,540.00 (+8.69%)
2023$3,257.00 (+6.82%)$380,490 (+0.68%) Land $206,213 Building $174,277$380,490 (+0.68%) Land $206,213 Building $174,277
2022$3,049.00$377,928 Land $206,213 Building $171,715$377,928 Land $206,213 Building $171,715

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 177 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies204 units insured
incl. 27 condo units
Nearby Flood Claims50 (1984–2025)
Claims Outside the SFHA8 of 50
Most Recent ClaimJun 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 RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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

ProviderMax 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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