321 2nd Ter, Key Largo, FL 33037 Property Records

Monroe County property record for 321 2nd Ter, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,170 sqft · built 1958
Lot Size	0.203 acres (8,861 sqft)
Owner	Individual Name on File
Last Sale	$412,000 (Dec 2019)
Tax Bill	$3,288 (2024)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00474460-000000`

Property Details

APN / Parcel Number

Primary APN	`00474460-000000`
Alternative APNs	`11613900474460000000` `1581577`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	1,170 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2012
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,861 sqft (0.203 acres)
Lot Dimensions	100 ft deep x 90 ft wide

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	288 sqft
Patio Area	20 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1581577
Old Parcel Number	11613900474460000000
Street Address	321 2ND TER
City	KEY LARGO
State	FL
Zip	33037-4836
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 N 1/2 LOT 21 AND ALL LOT 22 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR185-228/29 OR446-263 OR581-601/603 OR954-105/06AFF
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	3
Legal Lot Number	21-22
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

321 2nd Ter is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	321 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
Dec 13, 2019	Warranty Deed, Transfer · FHA Mortgage CENTERSTATE BANK OF FLORIDA NA
Mar 31, 2017	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2019 · Amount on File
Deed Sale	Dec 13, 2019 · Amount on File
Prior Sale	Mar 31, 2017 · Amount on File
Deed Document Number	2248175
Deed Book / Page	2998 / 2075
Record Updated	Jun 8, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 13, 2019
Property Address	321 2ND TER, KEY LARGO, FL 33037-4836
Document Number	0029982075
Book / Page	2998 / 2075
Map Reference	MB 4 PG 92
Instrument Date	Dec 4, 2019
Instrument	2248175
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	SUNSHINE TITLE OF KEYS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,884.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14472 86TH RD N, 14472, LOXAHATCHEE, FL 33470-4384

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 2ND TER, KEY LARGO, FL 33037-4836

Mortgage

Document Number	0029982077
Date	Dec 13, 2019
Instrument	2998-2077

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 31, 2017
Property Address	321 2ND TER, KEY LARGO, FL 33037-4836
Document Number	0028462190
Book / Page	2846 / 2190
Map Reference	MB4 PG92
Instrument Date	Mar 31, 2017
Instrument	2116947
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CORAL REEF TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4025 SW 153RD AVE, 4025, OCALA, FL 34481-8796

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 2ND TER, KEY LARGO, FL 33037-4836

Mortgage

Document Number	0028462191
Date	Mar 31, 2017
Book Page	2846/2191
Instrument	2116948

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

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		$399,780	$602,220 Land $365,040 Building $237,180
2024	$3,288.00 (+5.18%)
2023	$3,126.00 (+6.33%) Homeowner's exemption	$377,199 (+3%)	$596,557 (+12.35%) Land $386,100 Building $210,457
2022	$2,940.00 Homeowner's exemption	$366,213	$530,989 Land $315,900 Building $215,089

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

Flood

FEMA maps place 321 2nd Ter in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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 321 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

Nearby Streets

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