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312 2nd Ter, Key Largo, FL 33037 Property Records

Monroe County property record for 312 2nd Ter, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,200 sqft · built 1970
Lot Size0.137 acres (6,000 sqft)
OwnerIndividual Name on File
Last Sale$700,000 (Nov 2024)
Tax Bill$4,905 (2024)
Deeds & MortgagesApr 2021 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN00474510-000000

Property Details

APN / Parcel Number

Primary APN00474510-000000
Alternative APNs
  • 11613900474510000000
  • 1581623

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,200 sqft Living Area
1st Floor Area1,130 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 2010
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,000 sqft (0.137 acres)
Lot Dimensions100 ft deep x 60 ft wide
PorchOpen Porch
Patio Area190 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1581623
Old Parcel Number11613900474510000000
Street Address312 2ND TER
CityKEY LARGO
StateFL
Zip33037-4836
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 4 LT 5 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR160-303/ OR2102-1318 OR2607-363/64 OR3092-631
Legal Range39E
Legal Township61S
Legal Section11
Legal SubdivisionLARGO SOUND VILLAGE
Legal Block4
Legal Lot Number5
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1036
Census Tract972700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed AreaWithin 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

312 2nd Ter is owned and occupied by an individual who bought it in November 2024.

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

Owner of RecordIndividual Name on File
Mailing Address312 2ND TER, KEY LARGO, FL 33037-4836
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 13, 2024 · Amount on File
Deed SaleNov 13, 2024 · Amount on File
Prior SaleApr 26, 2021 · Amount on File
Deed Document Number2480362
Deed Book / Page3299 / 1868
Record UpdatedJun 8, 2026

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateApr 26, 2021
Property Address312 2ND TER, KEY LARGO, FL 33037-4836
Document Number0030920631
Book / Page3092 / 631
Map ReferenceMB 4 PG 92
Instrument DateApr 14, 2021
Instrument2316014
Transaction TypeTransfer
Record UpdatedMay 12, 2021
Title CompanySUNSHINE TITLE AND ESCROW, SUNSHINE TITLE & ESCROW

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,325.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address411 3RD ST, 411, KEY LARGO, FL 33037-4828

Transferred To (Grantee/Buyer)

NameVerified Name
Address312 2ND TER, KEY LARGO, FL 33037-4836

Mortgage

Document Number3092633
DateApr 26, 2021
Instrument3092/633
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.1%
Type Change DateMay 1, 2026
Change FrequencyMonthly
Min Rate At Change3%
Max Rate At Change4.1%
Margin3
Max Rate7.1%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$560,211 Land $312,000 Building $248,211$560,211 Land $312,000 Building $248,211
2024$4,905.00 (+3.92%)
2023$4,720.00 (+5.9%) Homeowner's exemption$541,343 (+3%)$582,327 (+10.8%) Land $330,000 Building $252,327
2022$4,457.00 Homeowner's exemption$525,576 Land $270,000 Building $255,576$525,576 Land $270,000 Building $255,576

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

Flood

FEMA maps place 312 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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 225 policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies225 in force
Nearby Flood Claims29 (2017–2023)
Most Recent ClaimNov 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 312 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 RiskNot 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

ProviderMax 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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