Monroe County property record for 3 N End Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,290 sqft · built 2007 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $392,000 (Oct 2019) |
| Tax Bill | $821 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00538420-000000 |
| Primary APN | 00538420-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,290 sqft Living Area |
| 1st Floor Area | 1,290 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Open Porch |
| Porch Area | 632 sqft |
| Patio Area | 900 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1661937 |
|---|---|
| Old Parcel Number | 06614000538420000000 |
| Street Address | 3 N END RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 2 LT 12 OCEAN ISLE EST PB5-14 KEY LARGO OR486-631 OR1686-374 OR2200-1741 OR2991-0907 |
| Legal Range | 40E |
| Legal Township | 61S |
| Legal Section | 06 |
| Legal Subdivision | OCEAN ISLE ESTATE |
| Legal Block | 2 |
| Legal Lot Number | 12 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 972700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3 N END RD, KEY LARGO, FL 33037-5011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2021 | Deed of Trust, Mortgage · VA Mortgage NATIONS LENDING CORP |
| Oct 28, 2019 | Warranty Deed, Transfer · VA Mortgage NATIONS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2019 · Amount on Record |
| Deed Sale | Oct 28, 2019 · Amount on Record |
| Prior Sale | Apr 13, 2006 · Amount on Record |
| Deed Document Number | 2242037 |
| Deed Book / Page | 2991 / 0907 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 3 N END RD, KEY LARGO, FL 33037-5011 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3 N END RD, KEY LARGO, FL 33037-5011 |
| Document Number | 0030831730 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 3083/1730 |
| Instrument | 2309940 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, OH 44131 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Oct 28, 2019 |
| Property Address | 3 N END RD, KEY LARGO, FL 33037-5011 |
| Document Number | 0029910907 |
| Book / Page | 002991 / 000907 |
| Instrument Date | Oct 15, 2019 |
| Instrument | 2242037 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2019 |
| Title Company | SUNSHINE TITLE/THE KEYS INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,744.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3 N END RD KEY LARGO FL 330375011, KEY LARGO, FL 33037-5011 |
| Document Number | 29910909 |
|---|---|
| Date | Oct 28, 2019 |
| Book Page | 002991/000909 |
| Instrument | 2242038 |
| Name | NATIONS LNDG |
|---|---|
| Address | INDEPENDENCE, OH 44131 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 27, 2049 |
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 | $363,827 (+5.99%) | $525,320 (+11.33%) Land $278,100 Building $247,220 | |
| 2024 | $821.00 (+11.55%) | ||
| 2023 | $736.00 (+0.55%) Homeowner's exemption | $343,276 (+3%) | $471,851 (+15.17%) Land $241,020 Building $230,831 |
| 2022 | $732.00 Homeowner's exemption | $333,278 | $409,716 Land $176,130 Building $233,586 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 225 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 225 in force |
| Nearby Flood Claims | 29 (2017–2023) |
| Most Recent Claim | Nov 2023 · 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 | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 188 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 | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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