Monroe County property record for 386 Laguna Ave, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,871 sqft · built 1990 |
| Lot Size | 0.326 acres (14,215 sqft) |
| Owner | Individual Name on File |
| Last Sale | $700,000 (Aug 2015) |
| Tax Bill | $6,899 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00453475-000200 |
| Primary APN | 00453475-000200 |
|---|---|
| Alternative APNs |
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| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,871 sqft Living Area |
| 1st Floor Area | 1,871 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 14,215 sqft (0.326 acres) |
| Lot Dimensions | 110 ft deep x 85 ft wide |
| View / Lot | Canal |
| Pool Area | 594 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 498 sqft |
| Deck Area | 60 sqft |
| Patio Area | 187 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1555118 |
|---|---|
| Street Address | 386 LAGUNA AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LT 386 ANDTRACT G PORT LARGO FIFTH ADDITION KEY LARGO PB6-109 OR796-2450 OR796-2464 OR835-2449 OR1103-1356DC OR1103-1358/78WILL OR1110-919 OR1159-1571 OR1281-1079/80 OR2028-2349-2351L/E OR2088-828/30 OR2512-494ORD OR2751-1738ORD OR2757-146/72 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 33 |
| Legal Subdivision | PORT LARGO 5TH ADD |
| Legal Tract | G |
| Legal Lot Number | 386 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 970500 |
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.
386 Laguna Ave is owned and occupied by an individual who bought it in August 2015.
Source: Monroe County records, as of March 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 386 LAGUNA AVE, KEY LARGO, FL 33037-4340 |
| 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 | Aug 6, 2015 · Amount on File |
| Deed Sale | Aug 6, 2015 · Amount on File |
| Prior Sale | Jan 1, 1991 · Amount on File |
| Deed Book / Page | 2757 / 146 |
| Prior Transfer Date | Nov 12, 1993 |
| Prior Transfer Doc | 1281001079 |
| Record Updated | Oct 29, 2026 |
Source: Monroe County assessment roll, as of December 8, 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 | $831,955 | $1,572,077 Land $1,246,442 Building $325,635 | |
| 2024 | $6,899.00 (+3.45%) | ||
| 2023 | $6,669.00 (+6.14%) Homeowner's exemption | $784,961 (+3%) | $1,606,548 (+38.83%) Land $1,194,700 Building $411,848 |
| 2022 | $6,283.00 Homeowner's exemption | $762,099 | $1,157,200 Land $784,455 Building $372,745 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 386 Laguna Ave 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 | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 595 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 839 units insured incl. 244 condo units |
| Nearby Flood Claims | 304 (1983–2025) |
| Claims Outside the SFHA | 8 of 304 |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| Claims by Event |
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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.
The area around 386 Laguna Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 317 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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