329 3rd Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 329 3rd Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft · built 1972
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$825,000 (Feb 2026)
Tax Bill	$5,449 (2024)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00475800-000000`

Property Details

APN / Parcel Number

Primary APN	`00475800-000000`
Alternative APNs	`11613900475800000000` `1582921`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1582921
Street Address	329 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 16 LARGO SOUND VILLAGE KEY LARGO PB4-92 OR498-550 OR508-925 OR927-587 OR1339-1048 OR1963-2125/26C OR3093-352 OR3165-2387 OR3165-2389
Legal Range	39E
Legal Township	61S
Legal Section	11
Legal Subdivision	LARGO SOUND VILLAGE
Legal Block	9
Legal Lot Number	16
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 March 10, 2026

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	329 3RD RD, KEY LARGO, FL 33037-4802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 7, 2022	Personal Representative Deed, Transfer · Conventional Mortgage US BANK NA
Apr 7, 2022	Warranty Deed, Transfer ABSOLUTE FIRST TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2026 · Amount on Record
Deed Sale	Feb 26, 2026 · Amount on Record
Prior Sale	Apr 7, 2022 · Amount on Record
Deed Document Number	20262533792
Deed Book / Page	3368 / 864
Prior Transfer Date	Dec 10, 2003
Prior Transfer Doc	0001417522
Record Updated	Sep 20, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 26, 2026
Property Address	329 3RD RD, KEY LARGO, FL 33037-4802
Document Number	0033680864
Book / Page	3368 / 864
Map Reference	MB 4 PG 92
Instrument Date	Feb 19, 2026
Instrument	2533792
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,775.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 COSMO ST, WESTERLY, RI 02891-5913

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	329 3RD RD, KEY LARGO, FL 33037-4802

Mortgage

Document Number	0003368866
Date	Feb 26, 2026
Instrument	3368/866

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

April 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	MONROE FL
Recording Date	Apr 7, 2022
Property Address	329 3RD RD, KEY LARGO, FL 33037-4802
Document Number	0031652387
Book / Page	3165 / 2387
Map Reference	MB 4 PG 92
Instrument Date	Apr 1, 2022
Instrument	2369612
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	ABSOLUTE FIRST TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	329 3RD RD, KEY LARGO, FL 33037-4802

Mortgage

Document Number	0031652393
Date	Apr 7, 2022
Instrument	3165/2393

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 7, 2022
Property Address	329 3RD RD, KEY LARGO, FL 33037-4802
Document Number	0031652389
Book / Page	3165 / 2389
Map Reference	MB 4 PG 92
Instrument Date	Apr 1, 2022
Instrument	2369613
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ABSOLUTE FIRST TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 COSMO ST, WESTERLY, RI 02891-5913

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		$541,226 (+10.42%) Land $312,000 Building $229,226	$541,226 (+10.42%) Land $312,000 Building $229,226
2024	$5,449.00 (+17.49%)
2023	$4,638.00 (+14.04%)	$490,139 (+12.85%) Land $330,000 Building $160,139	$490,139 (+12.85%) Land $330,000 Building $160,139
2022	$4,067.00	$434,332 Land $270,000 Building $164,332	$434,332 Land $270,000 Building $164,332

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	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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 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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