Monroe County property record for 33 Cardinal Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6 ba · 6,618 sqft · built 1990 |
| Lot Size | 0.567 acres (24,725 sqft) |
| Owner | Individual Name on File |
| Last Sale | $475,000 (Aug 1989) |
| Tax Bill | $25,152 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00569443-003300 |
| Primary APN | 00569443-003300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6 Baths |
| Stories | 3 Stories |
| Building Area | 6,618 sqft Living Area |
| 1st Floor Area | 5,967 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 24,725 sqft (0.567 acres) |
| Garage Area | 1,632 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 3,149 sqft |
| Deck Area | 3,500 sqft |
| Patio Area | 3,990 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 8626274 |
|---|---|
| Old Parcel Number | 05594100569443003300 |
| Street Address | 33 CARDINAL LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1 LT 33 SUNRISE CAY OCEAN REEF PLAT NO 15 PB7-20 OR832-2115 AMD RESTRICTIONS OR845-1751 OR905-277C/T OR979-2215 OR1092-387 |
| Legal Range | 41E |
| Legal Township | 59S |
| Legal Section | 05 |
| Legal Subdivision | SUNRISE CAY OCEAN REEF PLAT 15 |
| Legal Block | 1 |
| Legal Lot Number | 33 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3059 |
| Census Tract | 972700 |
33 Cardinal Ln is owned by an individual who bought it in August 1989.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7 RIDGEDALE AVE STE 204, 204, CEDAR KNOLLS, NJ 07927-1120 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 1989 · Amount on File |
| Deed Sale | Aug 1, 1989 · Amount on File |
| Deed Document Number | 0001102365 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,584,885 Land $6,617,646 Building $1,967,239 | $8,584,885 Land $6,617,646 Building $1,967,239 | |
| 2024 | $25,152.00 (+2.12%) | ||
| 2023 | $24,629.00 (+4.76%) Homeowner's exemption | $3,610,900 (+3%) | $7,076,029 (+45.56%) Land $5,119,311 Building $1,956,718 |
| 2022 | $23,511.00 Homeowner's exemption | $3,505,729 | $4,861,248 Land $2,871,809 Building $1,989,439 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 33 Cardinal Ln 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 838 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 1,585 units insured incl. 747 condo units |
| Nearby Flood Claims | 78 (2005–2023) |
| Claims Outside the SFHA | 1 of 78 |
| Most Recent Claim | Nov 2023 · rainfall accumulation |
| Claims by Event |
|
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 risk around 33 Cardinal Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
May also be available: AT&T.
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