323 3rd Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 323 3rd Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,440 sqft · built 1985
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$114,000 (Sep 2000)
Tax Bill	$3,407 (2024)
Deeds & Mortgages	Jul 2018 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00475780-000000`

Property Details

APN / Parcel Number

Primary APN	`00475780-000000`
Alternative APN	`1582905`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Porch	Open Porch
Porch Area	604 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1582905
Street Address	323 3RD RD
City	KEY LARGO
State	FL
Zip	33037-4802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 9 LT 14 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR357-578 OR803-1307/08 OR949-1619R/S OR1022-1855/56 OR1206-2046/47 OR1514-298/300 OR1651-1338AFF OR1651-1339 OR2874-1956/57
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	9
Legal Lot Number	14
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1029
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

Source: Monroe County records, as of December 8, 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	323 3RD RD, KEY LARGO, FL 33037-4802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2018	Deed of Trust, Mortgage · Commercial Mortgage OCEAN BANK
Nov 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL
Oct 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2000 · Amount on Record
Deed Sale	Sep 5, 2000 · Amount on Record
Prior Sale	Mar 1, 1992 · Amount on Record
Deed Book / Page	1651 / 1339
Last Transfer Date	Aug 7, 2017
Transfer Doc	0028741956
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	323 3RD RD, KEY LARGO, FL 33037-4802
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE INFORMATION SOLUTIO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029162337
Date	Jul 16, 2018
Book Page	2916/2337
Instrument	2177947

Lender

Name	OCEAN BANK
Type	Bank
Address	FORT LAUDERDALE, FL 33331

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 4, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	323 3RD RD, KEY LARGO, FL 33037-4802
Document Number	0029962115
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 3RD RD KEY LARGO FL 330374802, KEY LARGO, FL 33037-4802

Mortgage

Document Number	0029962115
Date	Nov 27, 2019
Book Page	002996/002115
Instrument	2246508

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Oct 13, 2017
Property Address	323 3RD RD, KEY LARGO, FL 33037-4802
Document Number	0028741956
Book / Page	002874 / 001956
Instrument Date	Aug 7, 2017
Instrument	2139645
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2269 S UNIVERSITY DR #302 DAVIE FL 333245856, 302, DAVIE, FL 33324-5856

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$378,180 (+5.99%)	$571,203 (-2.4%) Land $312,000 Building $259,203
2024	$3,407.00 (+4.67%)
2023	$3,255.00 (+5.48%) Homeowner's exemption	$356,818 (+3%)	$585,245 (+10.17%) Land $330,000 Building $255,245
2022	$3,086.00 Homeowner's exemption	$346,426	$531,239 Land $270,000 Building $261,239

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
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	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

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

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