37 Dolphin Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 37 Dolphin Rd, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,133 sqft · built 1959
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Aug 2018)
Tax Bill	$6,884 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00512040-000100`

Property Details

APN / Parcel Number

Primary APN	`00512040-000100`
Alternative APNs	`12613900512040000100` `8858817`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,133 sqft Living Area
1st Floor Area	1,133 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Porch	Enclosed Porch
Patio Area	646 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air

Location & Zoning

Account Number	8858817
Old Parcel Number	12613900512040000100
Street Address	37 DOLPHIN RD
City	KEY LARGO
State	FL
Zip	33037-2949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 6 LT 6 BOWENS ADD TO RIVIERA VILLAGE PB2-107 KEY LARGO G57-181 G57-322 OR385-922 OR442-183 OR509-399DC OR546-1006DC
Legal Range	39E
Legal Township	61S
Legal Section	12
Legal Subdivision	BOWENS ADD RIVIERA VILLAGE
Legal Block	6
Legal Lot Number	6
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2012
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 December 5, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	37 DOLPHIN RD, KEY LARGO, FL 33037-2949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 8, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 13, 2019	Deed of Trust, Mortgage · FHA Mortgage FORTHRIGHT FUNDING CORP
Aug 28, 2018	Warranty Deed, Transfer · FHA Mortgage EAST COAST MORTGAGE LENDERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2018 · Amount on Record
Deed Sale	Aug 28, 2018 · Amount on Record
Prior Sale	Mar 8, 2016 · Amount on Record
Deed Document Number	2184271
Deed Book / Page	2924 / 0525
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	37 DOLPHIN RD, KEY LARGO, FL 33037-2949
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 DOLPHIN RD, KEY LARGO, FL 33037-2949

Mortgage

Document Number	0033631439
Date	Jan 26, 2026
Book Page	3363/1439
Instrument	2529739

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	FLINT, MI 48501

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jun 1, 2055

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	37 DOLPHIN RD, KEY LARGO, FL 33037-2949
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 DOLPHIN RD, KEY LARGO, FL 33037-2949

Mortgage

Document Number	0031361360
Date	Nov 8, 2021
Book Page	3136/1360
Instrument	2347735

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	37 DOLPHIN RD, KEY LARGO, FL 33037-2949
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029632384
Date	May 13, 2019
Book Page	2963/2384
Instrument	2219732

Lender

Name	FORTHRIGHT FUNDING CORP
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85255

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 28, 2018
Property Address	37 DOLPHIN RD, KEY LARGO, FL 33037-2949
Document Number	0029240525
Book / Page	2924 / 0525
Map Reference	MB2 PG107
Instrument Date	Aug 16, 2018
Instrument	2184271
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 WRENN ST APT 605, 200, TAVERNIER, FL 33070-2347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 DOLPHIN RD, KEY LARGO, FL 33037-2949

Mortgage

Document Number	0002184272
Date	Aug 28, 2018
Instrument	2184272

Lender

Name	EAST COAST MORTGAGE LENDERS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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		$557,495 (+16.08%) Land $286,000 Building $271,495	$557,495 (+16.08%) Land $286,000 Building $271,495
2024	$6,884.00 (+7.33%)
2023	$6,414.00 (+64.04%)	$480,283 (-0.46%) Land $231,000 Building $249,283	$480,283 (-0.46%) Land $231,000 Building $249,283
2022	$3,910.00	$482,513 Land $231,000 Building $251,513	$482,513 Land $231,000 Building $251,513

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 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 Record median of 433 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	660 units insured incl. 227 condo units
Nearby Flood Claims	80 (1999–2024)
Claims Outside the SFHA	1 of 80
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 291 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 · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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