Monroe County property record for 320 Sound Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,276 sqft · built 1993 |
| Lot Size | 0.116 acres (5,093 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $700,000 (Jul 2025) |
| Tax Bill | $5,142 (2024) |
| Deeds & Mortgages | Jul 2021 Reverse Mortgage Jul 2021 Reverse Mortgage + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 00468210-000000 |
| Primary APN | 00468210-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,276 sqft Living Area |
| 1st Floor Area | 1,094 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 5,093 sqft (0.116 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
| Porch | Porch |
| Porch Area | 182 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1571610 |
|---|---|
| Old Parcel Number | 14613900468210000000 |
| Street Address | 320 SOUND DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 10 LT 3 SOUTH CREEK VILLAGE KEY LARGO PB3-85 OR90-488-489 OR992-2020 OR1170-808 OR3186-1672 OR3191-1394DC OR3191-1395 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 14 |
| Legal Subdivision | SOUTH CREEK VILLAGE |
| Legal Block | 10 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 970400 |
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 December 5, 2025
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 | 320 SOUND DR, KEY LARGO, FL 33037-4632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Jul 13, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Aug 26, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 29, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 16, 2019 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Mar 16, 2019 | Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2025 · Amount on Record |
| Deed Sale | Jul 1, 2025 · Amount on Record |
| Prior Sale | Jul 29, 2022 |
| Deed Document Number | 0003336934 |
| Deed Book / Page | 3191 / 1395 |
| Prior Transfer Date | Aug 26, 2022 |
| Prior Transfer Doc | 2389393 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 320 SOUND DR, KEY LARGO, FL 33037-4632 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 320 SOUND DR, KEY LARGO, FL 33037-4632 |
| Document Number | 0031120486 |
|---|---|
| Date | Jul 13, 2021 |
| Book Page | 3112/486 |
| Instrument | 2329896 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.58% |
| Change Frequency | Annually |
| Index | 11th District COF |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 320 SOUND DR, KEY LARGO, FL 33037-4632 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 320 SOUND DR, KEY LARGO, FL 33037-4632 |
| Document Number | 0031120472 |
|---|---|
| Date | Jul 13, 2021 |
| Book Page | 3112/472 |
| Instrument | 2329895 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.58% |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 6.58% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 26, 2022 |
| Property Address | 320 SOUND DR, KEY LARGO, FL 33037-4632 |
| Document Number | 0031911395 |
| Book / Page | 3191 / 1395 |
| Map Reference | MB 3 PG 85 |
| Instrument Date | Aug 25, 2022 |
| Instrument | 2389393 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2022 |
| Title Company | SUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF KEYS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 29 LAKE VISTA TRL # TRL106, 29, PORT SAINT LUCIE, FL 34952-1503 |
| Name | Verified Name |
|---|---|
| Address | 665 CABRERA ST, KEY LARGO, FL 33037-4604 |
| Document Number | 0031911397 |
|---|---|
| Date | Aug 26, 2022 |
| Instrument | 3191/1397 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 29, 2022 |
| Property Address | 320 SOUND DR, KEY LARGO, FL 33037-4632 |
| Document Number | 0031861672 |
| Book / Page | 3186 / 1672 |
| Map Reference | MB 3 PG 85 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 2385608 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 SOUND DR, 320, KEY LARGO, FL 33037-4632 |
| Name | Verified Name |
|---|---|
| Address | 29 LAKE VISTA TRL APT 106, 106, PORT SAINT LUCIE, FL 34952-6389 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 320 SOUND DR, KEY LARGO, FL 33037-4632 |
| Document Number | 0029551512 |
| Instrument Date | Mar 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2019 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 320 SOUND DR KEY LARGO FL 330374632, KEY LARGO, FL 33037-4632 |
| Document Number | 0029551512 |
|---|---|
| Date | Mar 28, 2019 |
| Book Page | 002955/001512 |
| Instrument | 2212788 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 984 Months |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 320 SOUND DR, KEY LARGO, FL 33037-4632 |
| Document Number | 0029551526 |
| Instrument Date | Mar 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2019 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 320 SOUND DR KEY LARGO FL 330374632, KEY LARGO, FL 33037-4632 |
| Document Number | 0029551526 |
|---|---|
| Date | Mar 28, 2019 |
| Book Page | 002955/001526 |
| Instrument | 2212789 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 984 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.21% |
Source: Monroe County assessment roll, as of July 1, 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 | $525,483 (+7.52%) Land $272,781 Building $252,702 | $525,483 (+7.52%) Land $272,781 Building $252,702 | |
| 2024 | $5,142.00 (+11.13%) | ||
| 2023 | $4,627.00 (+215.84%) | $488,715 (+263.01%) Land $288,518 Building $200,197 | $488,715 (+25.24%) Land $288,518 Building $200,197 |
| 2022 | $1,465.00 Homeowner's exemption | $134,629 | $390,235 Land $236,061 Building $154,174 |
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.
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 Record median of 167 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 167 in force |
| Nearby Flood Claims | 68 (1992–2023) |
| Claims Outside the SFHA | 4 of 68 |
| 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 | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 305 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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