301 2nd Ter, Key Largo, FL 33037 Property Records

Monroe County property record for 301 2nd Ter, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,678 sqft · built 2013
Lot Size	0.137 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (Jun 2019)
Tax Bill	$4,285 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`00474370-000400`

Property Details

APN / Parcel Number

Primary APN	`00474370-000400`
Alternative APN	`9002918`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,678 sqft Living Area
1st Floor Area	1,678 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	321 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	138 sqft
Deck Area	500 sqft
Patio Area	500 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	9002918
Street Address	301 2ND TER
City	KEY LARGO
State	FL
Zip	33037-4836
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 LT 12 LARGO SOUND VILLAGE PB4-92 KEY LARGO OR146-493/94 OR795-2374 OR1060-2195 OR1321-2312 OR1480-186/95FJ
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Tract	A
Legal Block	3
Legal Lot Number	12
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1036
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

301 2nd Ter is owned and occupied by two individuals who bought it in June 2019.

Source: Monroe County records, as of December 5, 2025

Owner of Record	2 Individual Names on File
Mailing Address	301 2ND TER, KEY LARGO, FL 33037-4836
Occupancy	Owner Occupied
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
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEYS
Jun 4, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST ST BK/FL KEYS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2019 · Amount on File
Deed Sale	Jun 4, 2019 · Amount on File
Prior Sale	Dec 2, 2013 · Amount on File
Deed Document Number	2223012
Deed Book / Page	2967 / 2421
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	301 2ND TER, KEY LARGO, FL 33037-4836
Transaction Type	Mortgage
Record Updated	Mar 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 2ND TER, KEY LARGO, FL 33037-4836

Mortgage

Document Number	0030760708
Date	Feb 18, 2021
Book Page	3076/708
Instrument	2304509

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 4, 2019
Property Address	301 2ND TER, KEY LARGO, FL 33037-4836
Document Number	0029672421
Book / Page	002967 / 002421
Instrument Date	May 30, 2019
Instrument	2223012
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	SUNSHINE TITLE/THE KEYS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,465.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	301 2ND TER KEY LARGO FL 330374836, KEY LARGO, FL 33037-4836

Mortgage

Document Number	29672423
Date	Jun 4, 2019
Book Page	002967/002423
Instrument	2223013

Lender

Name	FIRST ST BK/FL KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$492,800	$733,086 Land $312,000 Building $421,086
2024	$4,285.00 (+4.16%)
2023	$4,114.00 (+5.79%) Homeowner's exemption	$464,964 (+3%)	$708,941 (+16.92%) Land $330,000 Building $378,941
2022	$3,889.00 Homeowner's exemption	$451,422	$606,368 Land $270,000 Building $336,368

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

Flood

FEMA maps place 301 2nd Ter in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Hurricane Irma, Sep 2017 · 28 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

The area around 301 2nd Ter has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 178 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	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 2nd Ter

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