302 2nd Ter, Key Largo, FL 33037 Property Records

Monroe County property record for 302 2nd Ter, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,893 sqft · built 1975
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$684,000 (Apr 2021)
Tax Bill	$2,483 (2024)
Deeds & Mortgages	Aug 2021 Reverse Mortgage Apr 2021 Sale + 5 more
Flood Zone	Zone AE (high risk)
APN	`00474560-000000`

Property Details

APN / Parcel Number

Primary APN	`00474560-000000`
Alternative APNs	`11613900474560000000` `1581674`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,893 sqft Living Area
1st Floor Area	1,893 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Porch	Open Porch
Porch Area	495 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1581674
Street Address	302 2ND TER
City	KEY LARGO
State	FL
Zip	33037-4836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 4 LT 10 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR566-719 OR566-721 OR673-660 OR679-823 OR759-56/57 OR769-755 OR804-1345 OR1265-516DC OR1265-515 OR1265-517DC OR1265-518/27TR OR1273-975ORD OR1314-2302/03RS OR1314-2312AFF OR1421-1389 OR2080-248 OR2829-
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	4
Legal Lot Number	10
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

Source: Monroe County records, as of March 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	302 2ND TER, KEY LARGO, FL 33037-4836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Apr 5, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 2, 2018	Grant Deed, Transfer ATTORNEY ONLY
Oct 2, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 2, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 2, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 2, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2021 · Amount on Record
Deed Sale	Apr 5, 2021 · Amount on Record
Prior Sale	Oct 2, 2018 · Amount on Record
Deed Document Number	20212311994
Deed Book / Page	3086 / 1707
Transfer Doc	1421001389
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	302 2ND TER, KEY LARGO, FL 33037-4836
Transaction Type	Mortgage
Record Updated	Mar 6, 2023
Title Company	CHANCELLOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 2ND TER, KEY LARGO, FL 33037-4836

Mortgage

Document Number	0031190708
Date	Aug 13, 2021
Book Page	3119/708
Instrument	2334995

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	923 Months
Due	Jul 30, 2098

Interest

Rate Type	Adjustable Rate
Rate	3.96%
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 5, 2021
Property Address	302 2ND TER, KEY LARGO, FL 33037-4836
Document Number	0030861707
Book / Page	3086 / 1707
Map Reference	MB 4 PG 92
Instrument Date	Mar 26, 2021
Instrument	2311994
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$4,788.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	853 ELLEN DR, KEY LARGO, FL 33037-2718

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75055 OVERSEAS HWY, ISLAMORADA, FL 33036-4012

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Oct 2, 2018
Property Address	302 2ND TER, KEY LARGO, FL 33037-4836
Document Number	0029291954
Book / Page	002929 / 001954
Instrument Date	Oct 1, 2018
Instrument	2188978
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 2ND TER KEY LARGO FL 330374836, KEY LARGO, FL 33037-4836

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Oct 2, 2018
Property Address	302 2ND TER, KEY LARGO, FL 33037-4836
Document Number	0029291950
Book / Page	002929 / 001950
Instrument Date	Oct 1, 2018
Instrument	2188974
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 2ND TER KEY LARGO FL 330374836, KEY LARGO, FL 33037-4836

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Oct 2, 2018
Property Address	302 2ND TER, KEY LARGO, FL 33037-4836
Document Number	0029291952
Book / Page	002929 / 001952
Instrument Date	Sep 27, 2018
Instrument	2188976
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 2ND TER KEY LARGO FL 330374836, KEY LARGO, FL 33037-4836

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Oct 2, 2018
Property Address	302 2ND TER, KEY LARGO, FL 33037-4836
Document Number	0029291951
Book / Page	002929 / 001951
Instrument Date	Sep 26, 2018
Instrument	2188975
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 2ND TER KEY LARGO FL 330374836, KEY LARGO, FL 33037-4836

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Oct 2, 2018
Property Address	302 2ND TER, KEY LARGO, FL 33037-4836
Document Number	0029291953
Book / Page	002929 / 001953
Instrument Date	Sep 21, 2018
Instrument	2188977
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 2ND TER KEY LARGO FL 330374836, KEY LARGO, FL 33037-4836

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		$257,637 (+5.99%)	$715,408 (+0.31%) Land $312,000 Building $403,408
2024	$2,483.00 (+5.52%)
2023	$2,353.00 (+5%) Homeowner's exemption	$243,085 (+3%)	$713,187 (+8.3%) Land $330,000 Building $383,187
2022	$2,241.00 Homeowner's exemption	$236,005	$658,542 Land $270,000 Building $388,542

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

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