Monroe County property record for 38 Cinnamon Bark Ln, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 5,096 sqft · built 2013 |
| Lot Size | 0.451 acres (19,686 sqft) |
| Owner | Individual Name on File |
| Last Sale | $2,300,000 (Oct 2015) |
| Tax Bill | $25,660 (2024) |
| Deeds & Mortgages | Sep 2020 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 00573720-004300 |
| Primary APN | 00573720-004300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 5,096 sqft Living Area |
| 1st Floor Area | 5,096 sqft |
| Interior Walls | Plaster |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Other |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 19,686 sqft (0.451 acres) |
| Garage Area | 660 sqft |
| Porch | Enclosed Porch |
| Porch Area | 1,348 sqft |
| Patio Area | 780 sqft |
| Cooling System | HVAC |
|---|
| Account Number | 8770294 |
|---|---|
| Old Parcel Number | 24594000573720004300 |
| Street Address | 38 CINNAMON BARK LN |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-5119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 8 LT 43 HARBOR COURSE SOUTH SEC IV OCEAN REEF PLAT NO 19 PB7-54 OR1142-1357/58 OR1865-809ORD OR1865-942LET/ADM |
| Legal Range | 40E |
| Legal Township | 59S |
| Legal Section | 24 |
| Legal Subdivision | HARBOR COURSE SOUTH SEC IV O.R. #19 |
| Legal Block | 8 |
| Legal Lot Number | 43 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 972700 |
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.
38 Cinnamon Bark Ln is owned and occupied by an individual who bought it in October 2015.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38 CINNAMON BARK LN, KEY LARGO, FL 33037-5119 |
| Occupancy | Owner Occupied |
| 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 | Oct 9, 2015 · Amount on File |
| Deed Sale | Oct 9, 2015 · Amount on File |
| Prior Sale | Jun 15, 2006 |
| Deed Document Number | 2048556 |
| Deed Book / Page | 2764 / 0586 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 38 CINNAMON BARK LN, KEY LARGO, FL 33037-5119 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 38 CINNAMON BARK LN, KEY LARGO, FL 33037-5119 |
| Document Number | 0030420645 |
|---|---|
| Date | Sep 4, 2020 |
| Book Page | 3042/645 |
| Instrument | 2280392 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | KEY LARGO, FL 33037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 31, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,802,975 Land $2,032,683 Building $1,770,292 | $3,802,975 Land $2,032,683 Building $1,770,292 | |
| 2024 | $25,660.00 (+2.12%) | ||
| 2023 | $25,128.00 (+36.62%) Homeowner's exemption | $3,684,664 (+28.46%) Land $1,968,700 Building $1,715,964 | $3,684,664 (+28.46%) Land $1,968,700 Building $1,715,964 |
| 2022 | $18,393.00 | $2,868,287 Land $1,141,846 Building $1,726,441 | $2,868,287 Land $1,141,846 Building $1,726,441 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Cinnamon Bark 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 38 Cinnamon Bark Ln is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 68% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 79 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: T-Mobile.
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