Monroe County property record for 312 Ryan Ave, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,346 sqft · built 2008 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $785,100 (Sep 2026) |
| Tax Bill | $4,925 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jul 2018 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | 00564143-000200 |
| Primary APN | 00564143-000200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,346 sqft Living Area |
| 1st Floor Area | 1,346 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 80 ft deep x 75 ft wide |
| Porch | Slab |
| Porch Area | 205 sqft |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1689611 |
|---|---|
| Street Address | 312 RYAN AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URM |
| Legal Description | BK 4 LT 2 KEY LARGO MOBILE HOMESITES PLAT NO 2 KEY LARGO PB6-6 OR563-182 OR865-1389 OR1070-2024 OR1281-15/16 OR1397-1941/42 OR1417-950 OR1673-1316/17 OR2037-1705 OR2187-529 OR2432-710C/T OR2451-2327/28 OR2501-1353 OR2558-1711/12 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 12 |
| Legal Subdivision | KEY LARGO MOBILE HOMESITE PLAT #2 |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 972700 |
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.
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 312 RYAN AVE, KEY LARGO, FL 33037-4819 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Sep 30, 2026 | Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Jul 20, 2018 | Loan Modification, Mortgage · Conventional Mortgage JOHNNY & GAIL DEBRULE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2026 · Amount on Record |
| Deed Sale | Sep 30, 2026 · Amount on Record |
| Prior Sale | Jan 21, 2011 · Amount on Record |
| Deed Document Number | 20262562357 |
| Deed Book / Page | 3404 / 1906 |
| Prior Transfer Date | Sep 21, 2009 |
| Prior Transfer Doc | 0024320710 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 30, 2026 |
| Property Address | 312 RYAN AVE, KEY LARGO, FL 33037-4819 |
| Document Number | 0002562357 |
| Book / Page | 3404 / 1906 |
| Instrument Date | Sep 23, 2026 |
| Instrument | 20262562357 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $555,065.70 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 RYAN AVE, KEY LARGO, FL 33037-4819 |
| Document Number | 0002562358, |
|---|---|
| Date | Sep 30, 2026 |
| Instrument | 20262562358 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 312 RYAN AVE, KEY LARGO, FL 33037-4819 |
| Document Number | 0029220337 |
| Instrument Date | Jul 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2018 |
| Title Company | CORAL REEF TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 312 RYAN AVE KEY LARGO FL 330374819, KEY LARGO, FL 33037-4819 |
| Document Number | 0029220337 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 002922/000337 |
| Instrument | 2182379 |
| Name | JOHNNY & GAIL DEBRULE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,925.00 (+8.12%) | $579,897 (+11.41%) Land $277,500 Building $302,397 | $579,897 (+11.41%) Land $277,500 Building $302,397 |
| 2024 | $4,555.00 (+8.82%) | ||
| 2023 | $4,186.00 (+13.07%) | $520,515 (+16.31%) Land $258,000 Building $262,515 | $520,515 (+16.31%) Land $258,000 Building $262,515 |
| 2022 | $3,702.00 | $447,518 Land $183,000 Building $264,518 | $447,518 Land $183,000 Building $264,518 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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 56% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 177 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 | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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