34 Angelfish Cay Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 34 Angelfish Cay Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 7,622 sqft · built 2022
Lot Size	0.413 acres (18,000 sqft)
Owner	Company Name on File
Last Sale	$3,600,000 (Mar 2020)
Tax Bill	$59,785 (2025)
Deeds & Mortgages	Dec 2020 Construction Loan Mar 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00569441-003400`

Property Details

APN / Parcel Number

Primary APN	`00569441-003400`
Alternative APNs	`07594100569441003400` `1698610`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	7,622 sqft Living Area
Gross Area	8,289 sqft
1st Floor Area	2,281 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Concrete Block
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	18,000 sqft (0.413 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	667 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Slab
Porch Area	1,710 sqft
Patio Area	744 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1698610
Street Address	34 ANGELFISH CAY DR
City	KEY LARGO
State	FL
Zip	33037-5271
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 34 ANGELFISH CAY-OCEAN REEF PLAT NO 5 KEY LARGO PB6-17 OR518-482 OR523-673 OR834-375 OR939-1043 OR996-2065 OR2312-560/62 OR2510-928/30 OR2698-1891/94 OR3011-1790
Legal Range	41E
Legal Township	59S
Legal Section	07
Legal Subdivision	ANGELFISH CAY PLAT #5
Legal Lot Number	34
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	3
Census Block	3050
Census Tract	972700

Owner

34 Angelfish Cay Dr is owned by a company that bought it in March 2020.

Source: Monroe County records, as of May 4, 2026

Owner of Record	Company Name on File
Mailing Address	2170 SPYGLASS HL, CENTER VALLEY, PA 18034-8912
Owner Type	Company
Vesting	Borrower in Default

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 29, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST HORIZON BANK
Mar 3, 2020	Grant Deed, Transfer IBERIABANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2020 · Amount on File
Deed Sale	Mar 3, 2020 · Amount on File
Prior Sale	Aug 14, 2014 · Amount on File
Deed Document Number	20202258390
Deed Book / Page	3011 / 1790
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	34 ANGELFISH CAY DR, KEY LARGO, FL 33037-5271
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2170 SPYGLASS HL, CENTER VALLEY, PA 18034-8912

Mortgage

Document Number	0030651705
Date	Dec 29, 2020
Book Page	3065/1705
Instrument	2296927

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Max Rate	7.87%

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Mar 3, 2020
Property Address	34 ANGELFISH CAY DR, KEY LARGO, FL 33037-5271
Document Number	0030111790
Book / Page	003011 / 001790
Instrument Date	Mar 3, 2020
Instrument	2258390
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	REEF TITLE COMPANY, REEF TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,200.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2170 SPYGLASS HL CENTER VALLEY PA 180348912, CENTER VALLEY, PA 18034-8912

Mortgage

Document Number	30111793
Date	Mar 3, 2020
Book Page	003011/001793
Instrument	2258391

Lender

Name	IBERIABANK
Type	Bank
Address	35 OCEAN DR # 100, KEY LARGO, FL 33037-4011

Agreement

Amount	Amount on Record
Term	24 Months
Due	Mar 2, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 34 Angelfish Cay Dr was $59,785, up 7.1% from the year before.

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	$59,785.00 (+7.07%)	$11,091,564 Land $8,550,000 Building $2,541,564	$11,091,564 Land $8,550,000 Building $2,541,564
2024	$55,839.00 (+10.84%)
2023	$50,379.00 (+90.59%)	$9,500,878 (+93.78%) Land $7,110,000 Building $2,390,878	$9,500,878 (+93.78%) Land $7,110,000 Building $2,390,878
2022	$26,433.00	$4,903,034 Land $4,851,000 Building $52,034	$4,903,034 Land $4,851,000 Building $52,034

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

Flood

FEMA maps place 34 Angelfish Cay Dr 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	10.0 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	Hurricane Irma, Sep 2017 · 73 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 34 Angelfish Cay Dr is low, with 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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