Monroe County property record for 3 Spray Rd, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,322 sqft · built 1966 |
| Lot Size | 0.396 acres (17,248 sqft) |
| Owner | Company Name on Record |
| Last Sale | $4,300,000 (Aug 2026) |
| Tax Bill | $29,118 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Jan 2024 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00571880-000000 |
| Primary APN | 00571880-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,378 sqft Living Area |
| Gross Area | 2,658 sqft |
| 1st Floor Area | 2,378 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 17,248 sqft (0.396 acres) |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Pool Area | 312 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 2,570 sqft |
| Patio Area | 1,500 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1705144 |
|---|---|
| Street Address | 3 SPRAY RD |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-3724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | OCEAN REEF PLAT #3 PB4-91 KEY LARGO LOT 24 BLK 12 & NELY 1/2 LOT 23 OR534-168 OR759-533 OR791-1428 OR861-2345 OR1359-1100 OR1363-2083 OR1440-2015 OR1564-439 OR1639-1854QC OR2081-2199 OR2897-2218 OR3258-1917 |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 07 |
| Legal Subdivision | OCEAN REEF NO 3 |
| Legal Block | 12 |
| Legal Lot Number | 24,23 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 972700 |
Source: Monroe County records, as of August 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 6538 COLLINS AVE, MIAMI BEACH, FL 33141-4694 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Aug 19, 2026 | Warranty Deed, Transfer OCEAN REEF TITLE, REEF TITLE |
| Jan 17, 2024 | Warranty Deed, Transfer REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC |
| Mar 26, 2018 | Warranty Deed, Transfer REEF TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2026 · Amount on Record |
| Deed Sale | Aug 19, 2026 · Amount on Record |
| Prior Sale | Jan 17, 2024 · Amount on Record |
| Deed Document Number | 20262557204 |
| Deed Book / Page | 3398 / 1255 |
| Transfer Doc | 1440002015 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 19, 2026 |
| Property Address | 3 SPRAY RD, KEY LARGO, FL 33037-3724 |
| Document Number | 0002557204 |
| Book / Page | 3398 / 1255 |
| Instrument Date | Aug 18, 2026 |
| Instrument | 20262557204 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | OCEAN REEF TITLE, REEF TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,040,100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 6538 COLLINS AVE, MIAMI BEACH, FL 33141-4694 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jan 17, 2024 |
| Property Address | 3 SPRAY RD, KEY LARGO, FL 33037-3724 |
| Document Number | 0032581917 |
| Book / Page | 3258 / 1917 |
| Map Reference | MB 4 PG 91 |
| Instrument Date | Jan 16, 2024 |
| Instrument | 2447951 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2024 |
| Title Company | REECH TITLE COMPANY LLC, REEF TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $36,050.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24 DOCKSIDE LN # 382, 382, KEY LARGO, FL 33037-5267 |
| Name | Verified Name |
|---|---|
| Address | 1 SPRAY RD, KEY LARGO, FL 33037-3724 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 26, 2018 |
| Property Address | 3 SPRAY RD, KEY LARGO, FL 33037-3724 |
| Document Number | 0028972218 |
| Book / Page | 002897 / 002218 |
| Instrument Date | Mar 9, 2018 |
| Instrument | 2161163 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2018 |
| Title Company | REEF TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $11,200.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 7138 GARDEN CITY NY 115307138, GARDEN CITY, NY 11530-7138 |
Source: Monroe County assessment roll, as of December 8, 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 | $29,118.00 (+55.24%) | $4,238,092 (+26.01%) Land $3,658,301 Building $579,791 | $4,238,092 (+26.01%) Land $3,658,301 Building $579,791 |
| 2024 | $18,757.00 (+11.78%) | ||
| 2023 | $16,781.00 (+22.2%) | $3,363,178 (+31.41%) Land $2,844,764 Building $518,414 | $3,363,178 (+31.41%) Land $2,844,764 Building $518,414 |
| 2022 | $13,732.00 | $2,559,363 Land $2,023,389 Building $535,974 | $2,559,363 Land $2,023,389 Building $535,974 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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 |
|
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 | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures