3 North Dr, Key Largo, FL 33037 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,481 sqft · built 2004
Lot Size	0.172 acres (7,496 sqft)
Owner	2 Individual Names on File
Last Sale	$1,525,000 (Apr 2021)
Tax Bill	$15,154 (2025)
Deeds & Mortgages	Aug 2022 Transfer Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00514850-000000`

Property Details

APN / Parcel Number

Primary APN	`00514850-000000`
Alternative APNs	`01613900514850000000` `1634115`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	4,481 sqft Living Area
Gross Area	5,261 sqft
1st Floor Area	2,773 sqft
Attic	Attic
Attic Area	620 sqft
Basement Area	210 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2018
Exterior Material	Other
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	7,496 sqft (0.172 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	780 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	1,578 sqft
Deck Area	120 sqft
Patio Area	336 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1634115
Street Address	3 NORTH DR
City	KEY LARGO
State	FL
Zip	33037-2916
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 3 LOT 2 LESS THE NE 4FT AND NE 14FT OF LT 3 STILLWRIGHT POINT PLAT NO 2 PB4-154 KEY LARGO OR430-233/34 OR821-1120 OR957-1447 OR957-1448 OR1126-969 OR1148-2423 OR1488-1597/98 OR1488-1599 OR1504-747/48 OR1824-1862 OR1824-1865/66 OR2061-182/83 OR2652
Legal Range	39E
Legal Township	61S
Legal Section	01
Legal Subdivision	STILLWRIGHT POINT NO 2
Legal Block	3
Legal Lot Number	2,3
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
Census Tract	972700

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

3 North Dr is owned by two individuals who acquired it in August 2022.

Source: Monroe County records, as of June 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15600 NW 83RD PL, MIAMI LAKES, FL 33016-5862
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Intrafamily Transfer, Transfer ATTORNEY
Apr 16, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage ORLANDO BENITEZ
Dec 10, 2019	Deed of Trust, Mortgage · Line of Credit ORLANDO BENITEZ

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2021 · Amount on File
Deed Sale	Apr 16, 2021 · Amount on File
Prior Sale	Aug 5, 2014 · Amount on File
Deed Document Number	20212314639
Deed Book / Page	3090 / 559
Last Transfer Date	Aug 17, 2022
Transfer Doc	0031900583
Record Updated	Oct 29, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Aug 18, 2022
Property Address	3 NORTH DR, KEY LARGO, FL 33037-2916
Document Number	0031900583
Book / Page	3190 / 583
Map Reference	MB 4 PG 154
Instrument Date	Aug 17, 2022
Instrument	2388414
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15600 NW 83RD PL, 15600, MIAMI LAKES, FL 33016-5862

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	15600 NW 83RD PL, MIAMI LAKES, FL 33016-5862
Investor	Possibly a Property Investor

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 16, 2021
Property Address	3 NORTH DR, KEY LARGO, FL 33037-2916
Document Number	0030900559
Book / Page	3090 / 559
Map Reference	MB 4 PG 154
Instrument Date	Apr 12, 2021
Instrument	2314639
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9340 SW 72ND AVE, 9340, PINECREST, FL 33156-2904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15600 NW 83RD PL, MIAMI LAKES, FL 33016-5862
Investor	Possibly a Property Investor

Mortgage

Document Number	0003090561
Date	Apr 16, 2021
Instrument	3090/561

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	May 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.25%
Max Rate At Change	4.5%
Index	Other
Max Rate	7.5%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3 NORTH DR, KEY LARGO, FL 33037-2916
Document Number	0030211899
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	SECURITY AND GUARANTY TITLE, SECURITY & GUARANTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9340 SW 72ND AVE PINECREST FL 331562904, PINECREST, FL 33156-2904

Mortgage

Document Number	0030211899
Date	May 11, 2020
Book Page	003021/001899
Instrument	2265643

Lender

Name	ORLANDO BENITEZ
Address	6775 SW 101ST ST, PINECREST, FL 33156-3241

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	3 NORTH DR, KEY LARGO, FL 33037-2916
Document Number	0029990976
Instrument Date	Dec 10, 2019
Transaction Type	Mortgage
Record Updated	Jan 16, 2020
Title Company	SECURITY AND GUARANTY TITLE, SECURITY & GUARANTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9340 SW 72ND AVE PINECREST FL 331562904, PINECREST, FL 33156-2904

Mortgage

Document Number	0029990976
Date	Dec 17, 2019
Book Page	002999/000976
Instrument	2248586

Lender

Name	ORLANDO BENITEZ
Address	6775 SW 101ST ST, PINECREST, FL 33156-3241

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 16, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3 North Dr was $15,154, up 6.1% from the year before.

Source: Monroe County assessment roll, as of December 8, 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	$15,154.00 (+6.09%)	$1,777,655 Land $771,563 Building $1,006,092	$1,777,655 Land $771,563 Building $1,006,092
2024	$14,284.00 (+7.46%)
2023	$13,293.00 (+12%)	$1,580,500 (+8.72%) Land $598,930 Building $981,570	$1,580,500 (+8.72%) Land $598,930 Building $981,570
2022	$11,869.00	$1,453,731 Land $472,098 Building $981,633	$1,453,731 Land $472,098 Building $981,633

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

Flood

FEMA maps place 3 North Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 433 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	660 units insured incl. 227 condo units
Nearby Flood Claims	80 (1999–2024)
Claims Outside the SFHA	1 of 80
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 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

Wildfire risk around 3 North Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None 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 291 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 · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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