37 Bonefish Ave, Key Largo, FL 33037 Property Records

Monroe County property record for 37 Bonefish Ave, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,376 sqft · built 2015
Lot Size	0.118 acres (5,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$760,000 (Mar 2026)
Tax Bill	$5,583 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`00471590-000000`

Property Details

APN / Parcel Number

Primary APN	`00471590-000000`
Alternative APNs	`14613900471590000000` `1578754`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	1,376 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,125 sqft (0.118 acres)
Porch	Open Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1578754
Street Address	37 BONEFISH AVE
City	KEY LARGO
State	FL
Zip	33037-4769
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1M
Legal Description	BK 7 LT 15 LARGO SOUND PARK PB3-111 KEY LARGO OR460-759 OR1598-186 OR1598-187 OR2648-355 OR2704-703 OR2723-165 OR3101-0157 OR3285-0459
Legal Range	39E
Legal Township	61S
Legal Section	14
Legal Subdivision	LARGO SOUND PARK
Legal Block	7
Legal Lot Number	15
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	4
Census Block	4007
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

Source: Monroe County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	37 BONEFISH AVE, KEY LARGO, FL 33037-4769
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Mar 13, 2026	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
Dec 10, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 27, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on Record
Deed Sale	Mar 13, 2026 · Amount on Record
Prior Sale	Jul 18, 2024 · Amount on Record
Deed Document Number	20262535662
Deed Book / Page	3370 / 2204
Prior Transfer Date	Apr 14, 2021
Prior Transfer Doc	0031010157
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	37 BONEFISH AVE, KEY LARGO, FL 33037-4769
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 BONEFISH AVE, KEY LARGO, FL 33037-4769

Mortgage

Document Number	0031152020
Date	Jul 29, 2021
Book Page	3115/2020
Instrument	2332418

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 13, 2026
Property Address	37 BONEFISH AVE, KEY LARGO, FL 33037-4769
Document Number	0033702204
Book / Page	3370 / 2204
Map Reference	MB 3 PG 111
Instrument Date	Mar 13, 2026
Instrument	2535662
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 PEACE AVE, TAVERNIER, FL 33070-3012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 BONEFISH AVE, KEY LARGO, FL 33037-4769

Mortgage

Document Number	0033702207
Date	Mar 13, 2026
Instrument	3370/2207

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2041

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Dec 10, 2025
Property Address	37 BONEFISH AVE, KEY LARGO, FL 33037-4769
Document Number	0033570915
Book / Page	3357 / 915
Map Reference	MB 3 PG 111
Instrument Date	Dec 3, 2025
Instrument	2525055
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	37 BONEFISH AVE, KEY LARGO, FL 33037-4769

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	37 BONEFISH AVE, KEY LARGO, FL 33037-4769

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	May 27, 2021
Property Address	37 BONEFISH AVE, KEY LARGO, FL 33037-4769
Document Number	0031010157
Book / Page	3101 / 157
Map Reference	MB 3 PG 111
Instrument Date	Apr 14, 2021
Instrument	2322123
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 BONEFISH AVE, KEY LARGO, FL 33037-4769

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	$5,583.00 (+2.8%)	$629,140 (+136.14%) Land $315,669 Building $313,471	$629,140 (+16.04%) Land $315,669 Building $313,471
2024	$5,431.00 (+117.41%)
2023	$2,498.00 (+5.13%) Senior Citizen's exemption	$266,430 (+3%)	$542,162 (+10.15%) Land $290,331 Building $251,831
2022	$2,376.00 Senior Citizen's exemption	$258,670	$492,218 Land $237,544 Building $254,674

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 167 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	68 (1992–2023)
Claims Outside the SFHA	4 of 68
Most Recent Claim	Nov 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 39 claims Hurricane Irene, Oct 1999 · 8 claims Hurricane Georges, Sep 1998 · 8 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 98% of the US · lower than 97.6% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 214 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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