325 Calusa St, #77, Key Largo, FL 33037 Property Records

Monroe County property record for 325 Calusa St, #77, Key Largo, FL 33037

Property Summary

Property Type	Residential Vacant Land
Lot Size	28.6 acres (1,248,520 sqft)
Owner	Trust Name on File
Last Sale	$250,000 (Dec 2024)
Tax Bill	$2,302 (2024)
Deeds & Mortgages	Dec 2024 Sale & Mortgage May 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`00541810-000163`

Property Details

APN / Parcel Number

Primary APN	`00541810-000163`
Alternative APN	`8954760`

Exterior

Lot Area	1,248,520 sqft (28.6 acres)

Exterior Amenities

Porch	Porch
Porch Area	384 sqft
Deck Area	112 sqft
Patio Area	204 sqft

Location & Zoning

Account Number	8954760
Street Address	325 CALUSA ST # 77, 77
City	KEY LARGO
State	FL
Zip	33037-2641
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	CALUSA CAMPGROUND A CONDOMINIUM UNIT 77 & 1/367% COMMON ELEMENTS OR1679-962 OR2010-948 OR2109-2224/25 OR3176-1770
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	CALUSA CAMPGROUND
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1017
Census Tract	970400

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

325 Calusa St, #77 is held in a trust since December 2024.

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

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	16290 SAN CARLOS BLVD STE 1, 1, FORT MYERS, FL 33908-3345
Owner Type	Company
Vesting	Trust

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 5, 2024	Warranty Deed, Transfer · Balloon Mortgage ROBERTO RUIZ
May 31, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2024 · Amount on File
Deed Sale	Dec 5, 2024 · Amount on File
Prior Sale	May 31, 2022 · Amount on File
Deed Document Number	2482555
Deed Book / Page	3302 / 1430
Record Updated	Jun 8, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 5, 2024
Property Address	325 CALUSA ST # 77, 77, KEY LARGO, FL 33037-2641
Document Number	0033021430
Book / Page	3302 / 1430
Map Reference	MB 1589 PG 476
Instrument Date	Dec 1, 2024
Instrument	2482555
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	OUR TITLE AND ESCROW COMPANY, CENTURY TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	325 CALUSA ST # 92, 92, KEY LARGO, FL 33037-2641

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	16290 SAN CARLOS BLVD, FORT MYERS, FL 33908-3345

Mortgage

Document Number	0002482556
Date	Dec 5, 2024
Instrument	2482556

Lender

Name	ROBERTO RUIZ
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	36 Months
Due	Dec 1, 2027

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 31, 2022
Property Address	325 CALUSA ST # 77, 77, KEY LARGO, FL 33037-2641
Document Number	0031761770
Book / Page	3176 / 1770
Map Reference	MB 1589 PG 476
Instrument Date	May 19, 2022
Instrument	2377753
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 7TH LN, KEY LARGO, FL 33037-4643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 CALUSA ST # 92, 92, KEY LARGO, FL 33037-2641
Investor	Possibly a Property Investor

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		$234,267 Land $224,000 Building $10,267	$234,267 Land $224,000 Building $10,267
2024	$2,302.00 (+14.76%)
2023	$2,006.00 (+17.86%)	$175,178 (+2.3%) Land $166,250 Building $8,928	$175,178 (+2.3%) Land $166,250 Building $8,928
2022	$1,702.00	$171,243 Land $166,250 Building $4,993	$171,243 Land $166,250 Building $4,993

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

Flood

FEMA maps place 325 Calusa St, #77 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 147 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	151 units insured incl. 4 condo units
Nearby Flood Claims	160 (1979–2022)
Claims Outside the SFHA	3 of 160
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 28 claims Hurricane Wilma, Oct 2005 · 75 claims Hurricane Irene, Oct 1999 · 14 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

Wildfire risk around 325 Calusa St, #77 is moderate, ranking above 40% of the US, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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 380 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: T-Mobile.

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