3 Pumpkin Cay Rd, #B, Key Largo, FL 33037 Property Records

Monroe County property record for 3 Pumpkin Cay Rd, #B, Key Largo, FL 33037

Property Summary

Property Type	Condominium
Details	4 bd · 4 ba · 2,060 sqft · built 1973
Lot Size	4 acres (210,305 sqft)
Owner	2 Individual Names on File
Last Sale	$6,200,000 (Mar 2023)
Tax Bill	$34,343 (2024)
Deeds & Mortgages	Mar 2023 Sale Mar 2023 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`00569513-000204`

Property Details

APN / Parcel Number

Primary APN	`00569513-000204`
Alternative APNs	`07594100569513000204` `1701114`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	2,060 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Condo/Apartment
Lot Area	210,305 sqft (4 acres)

Location & Zoning

Account Number	1701114
Street Address	3 PUMPKIN CAY RD, B
City	KEY LARGO
State	FL
Zip	33037-3740
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	UR
Legal Description	APT PC-3B PUMPKIN CAY CONDOMINIUM NO 8 KEY LARGO OR574-830 OR728-375 OR916-1834 OR916-1843 OR1393-2402 OR1786-1875 OR1786-1876 OR2760-1738 OR2793-2480 OR3103-0345 OR3217-2112 OR3217-2114
Legal Range	41E
Legal Township	59S
Legal Section	07
Legal Subdivision	PUMPKIN CAY O.R. #7 2ND REV
Legal Lot Number	PC3B
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3050
Census Tract	972700

Owner

3 Pumpkin Cay Rd, #B is owned by two individuals who bought it in March 2023.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1059 WELLINGTON RD, JENKINTOWN, PA 19046-3837
Owner Type	Individual

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
Mar 30, 2023	Warranty Deed, Transfer REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC
Mar 30, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 4, 2021	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2023 · Amount on File
Deed Sale	Mar 30, 2023 · Amount on File
Prior Sale	Jun 4, 2021 · Amount on File
Deed Document Number	20232412001
Deed Book / Page	3217 / 2114
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 30, 2023
Property Address	3 PUMPKIN CAY RD # B, B, KEY LARGO, FL 33037-3740
Document Number	0032172114
Book / Page	3217 / 2114
Map Reference	MB 552 PG 356
Instrument Date	Mar 30, 2023
Instrument	2412001
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Tax	$43,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26 S HARBOR DR, KEY LARGO, FL 33037-5124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1059 WELLINGTON RD, JENKINTOWN, PA 19046-3837

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Mar 30, 2023
Property Address	3 PUMPKIN CAY RD # B, B, KEY LARGO, FL 33037-3740
Document Number	0032172112
Book / Page	3217 / 2112
Map Reference	MB 552 PG 356
Instrument Date	Mar 30, 2023
Instrument	2412000
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26 S HARBOR DR, KEY LARGO, FL 33037-5124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 S HARBOR DR, KEY LARGO, FL 33037-5124

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 4, 2021
Property Address	3 PUMPKIN CAY RD # B, B, KEY LARGO, FL 33037-3740
Document Number	0031030345
Book / Page	3103 / 345
Map Reference	MB 522 PG 356
Instrument Date	May 27, 2021
Instrument	2323502
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 CINNAMON BARK LN, KEY LARGO, FL 33037-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11231 SAINT ANDREWS LN, CARMEL, IN 46032-9546

Mortgage

Document Number	0003103349
Date	Jun 4, 2021
Instrument	3103/349

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

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		$5,059,853 Building $5,059,853	$5,059,853 Building $5,059,853
2024	$34,343.00 (+26.88%)
2023	$27,068.00 (+21%)	$4,342,211 (+31.76%) Building $4,342,211	$4,342,211 (+31.76%) Building $4,342,211
2022	$22,371.00	$3,295,528 Building $3,295,528	$3,295,528 Building $3,295,528

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

Flood

FEMA maps place 3 Pumpkin Cay Rd, #B 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 838 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1,585 units insured incl. 747 condo units
Nearby Flood Claims	78 (2005–2023)
Claims Outside the SFHA	1 of 78
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 73 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 Pumpkin Cay Rd, #B is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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