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321 3rd Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 321 3rd Rd, Key Largo, FL 33037 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,649 sqft · built 1991
Lot Size0.182 acres (7,947 sqft)
OwnerIndividual Name on File
Last Sale$885,000 (Dec 2024)
Tax Bill$2,241 (2024)
Deeds & MortgagesJan 2015 Loan Modification
Flood ZoneZone X (minimal risk)
APN00475770-000000

Property Details

APN / Parcel Number

Primary APN00475770-000000
Alternative APNs
  • 11613900475770000000
  • 1582891

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,649 sqft Living Area
1st Floor Area1,649 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 2016
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area7,947 sqft (0.182 acres)

Exterior Amenities

Pool Area240 sqft
PorchOpen Porch
Porch Area144 sqft
Patio Area700 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1582891
Old Parcel Number11613900475770000000
Street Address321 3RD RD
CityKEY LARGO
StateFL
Zip33037-4802
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBK 9 LT 13 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR530-634 OR880-2398/99 OR1123-1238 OR1171-720 OR1237-1090
Legal Range39E
Legal Township61S
Legal Section11
Legal SubdivisionLARGO SOUND VILLAGE
Legal Block9
Legal Lot Number13
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group1
Census Block1029
Census Tract972700

Owner

Source: Monroe County records · APN 00475770-000000

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address321 3RD RD, KEY LARGO, FL 33037-4802
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 31, 2024 · Amount on Record
Deed SaleDec 31, 2024 · Amount on Record
Deed Document Number2485031
Deed Book / Page3305 / 2227
Record UpdatedJun 08, 2026

January 2015: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address321 3RD RD, KEY LARGO, FL 33037-4802
Document Number0029352038
Instrument DateJan 10, 2015
Transaction TypeMortgage
Record UpdatedDec 19, 2018
Title CompanyOLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address321 3RD RD KEY LARGO FL 330374802, KEY LARGO, FL 33037-4802

Mortgage

Document Number0029352038
DateNov 14, 2018
Book Page002935/002038
Instrument2194209
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
AddressGETZVILLE, NY 14068
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term300 Months
DueNov 13, 2043
Interest
Rate TypeFixed Rate
Rate4%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$764,735 (+258.62%) Land $396,833 Building $367,902$764,735 (+13.87%) Land $396,833 Building $367,902
2024$2,241.00 (+5.91%)
2023$2,116.00 (+4.8%) Homeowner's exemption$213,245 (+3%)$671,612 (+9.67%) Land $364,980 Building $306,632
2022$2,019.00 Homeowner's exemption$207,034$612,395 Land $298,620 Building $313,775

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879727001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 225 individual NFIP policies nearby
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 Storm
  • Hurricane Irma, Sep 2017 · 28 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 178 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
AT&TDSL100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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