30 Cardinal Ln, Key Largo, FL 33037 Property Records

Monroe County property record for 30 Cardinal Ln, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	7 bd · 8.5 ba · 11,076 sqft · built 1993
Lot Size	0.597 acres (26,000 sqft)
Owner	Company Name on File
Last Sale	$6,050,000 (May 2021)
Tax Bill	$58,048 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00569443-003000`

Property Details

APN / Parcel Number

Primary APN	`00569443-003000`
Alternative APNs	`05594100569443003000` `8626240`

Interior

Bedrooms	7 Beds
Full Baths	8.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	11,076 sqft Living Area
Gross Area	11,904 sqft
1st Floor Area	7,990 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2010
Exterior Material	Custom
Construction Type	Concrete
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	26,000 sqft (0.597 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	828 sqft

Exterior Amenities

Pool Area	880 sqft
Porch	Florida Room
Porch Area	2,878 sqft
Deck Area	600 sqft
Patio Area	4,000 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	8626240
Street Address	30 CARDINAL LN
City	KEY LARGO
State	FL
Zip	33037-5305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 1 LT 30 SUNRISE CAY OCEAN REEF PLAT NO 15 PB7-20 OR832-2115 AMD RESTRICTIONS OR835-696 OR1010-242 OR1114-1857/58 OR1261-1364 OR3101-0434
Legal Range	41E
Legal Township	59S
Legal Section	05
Legal Subdivision	SUNRISE CAY OCEAN REEF PLAT 15
Legal Block	1
Legal Lot Number	30
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3059
Census Tract	972700

Owner

30 Cardinal Ln is owned by a company that bought it in May 2021.

Source: Monroe County records, as of October 12, 2026

Owner of Record	Company Name on File
Mailing Address	122 E BUTLER AVE, AMBLER, PA 19002-4416
Owner Type	Company
Vesting	Borrower in Default

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
Dec 7, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 27, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2021 · Amount on File
Deed Sale	May 27, 2021 · Amount on File
Prior Sale	Jun 16, 1993 · Amount on File
Deed Document Number	20212322199
Deed Book / Page	3101 / 434
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	30 CARDINAL LN, KEY LARGO, FL 33037-5305
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	ACCURATE EQUITY GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 RIO VISTA DR, FORT THOMAS, KY 41075-1067

Mortgage

Document Number	0030602194
Date	Dec 7, 2020
Book Page	3060/2194
Instrument	2293597

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Oct 27, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 27, 2021
Property Address	30 CARDINAL LN, KEY LARGO, FL 33037-5305
Document Number	0031010434
Book / Page	3101 / 434
Map Reference	MB 7 PG 20
Instrument Date	May 27, 2021
Instrument	2322199
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	REEF TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42,350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 RIO VISTA DR, 54, FORT THOMAS, KY 41075-1067

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	30 CARDINAL LN, KEY LARGO, FL 33037-5305

Mortgage

Document Number	0003101437
Date	May 27, 2021
Instrument	3101/437

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

Tax Assessment & Valuation

The 2025 property tax bill for 30 Cardinal Ln was $58,048, up 9.5% 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	$58,048.00 (+9.47%)	$9,762,800 Land $6,958,900 Building $2,803,900	$9,762,800 Land $6,958,900 Building $2,803,900
2024	$53,025.00 (+9.66%)
2023	$48,353.00 (+26.17%)	$8,165,705 (+43.43%) Land $5,383,300 Building $2,782,405	$8,165,705 (+43.43%) Land $5,383,300 Building $2,782,405
2022	$38,324.00	$5,693,348 Land $3,019,900 Building $2,673,448	$5,693,348 Land $3,019,900 Building $2,673,448

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

Flood

FEMA maps place 30 Cardinal Ln 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 30 Cardinal Ln is low, with less than 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	Under 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

May also be available: AT&T.

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