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39 Bay Ridge Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 39 Bay Ridge Rd, Key Largo, FL 33037

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 6,782 sqft · built 1972
Lot Size0.605 acres (26,330 sqft)
OwnerTrust Name on File
Last Sale$100 (Jan 2019)
Tax Bill$13,888 (2025)
Deeds & MortgagesJan 2019 Sale
Flood ZoneZone AE (high risk)
APN00571220-000000

Property Details

APN / Parcel Number

Primary APN00571220-000000
Alternative APNs
  • 07594000571220000000
  • 1704482

Interior

Bedrooms3 Beds
Full Baths4 Baths
Stories1 Story
Building Area6,782 sqft Living Area
Gross Area7,262 sqft
1st Floor Area6,782 sqft
FlooringCeramic Tile
Interior WallsPlaster

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 2005
Exterior MaterialOther
Construction TypeConcrete
Foundation TypeConcrete
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area26,330 sqft (0.605 acres)
View / LotCanal
Garage TypeAttached
Garage Area480 sqft

Exterior Amenities

Pool Area360 sqft
PorchSlab
Porch Area2,487 sqft
Deck Area80 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1704482
Street Address39 BAY RIDGE RD
CityKEY LARGO
StateFL
Zip33037-3779
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 5 PT OF LT 2 AND PT OF LT 3 OCEAN REEF PLAT 3 PB4-91 KEY LARGO OR398-686/87 OR810-38/39 OR882-663 OR956-1555C OR1862-1940/41 OR2626-1187/89 OR2880-2120D/C OR2946-2281
Legal Range40E
Legal Township59S
Legal Section07
Legal SubdivisionOCEAN REEF NO 3
Legal Block5
Legal Lot Number2,3
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group3
Census Block3092
Census Tract972700

Owner

39 Bay Ridge Rd is owner-occupied and held in a trust since January 2019.

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

Owner of RecordTrust Name on File
Mailing Address39 BAY RIDGE RD, KEY LARGO, FL 33037-3779
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 31, 2019 · Amount on File
Deed SaleJan 31, 2019 · Amount on File
Prior SaleApr 1, 1980 · Amount on File
Deed Document Number20192203953
Deed Book / Page2946 / 2281
Prior Transfer DateApr 18, 2013
Prior Transfer Doc0026261187
Record UpdatedOct 29, 2026

January 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateJan 31, 2019
Property Address39 BAY RIDGE RD, KEY LARGO, FL 33037-3779
Document Number0029462281
Book / Page002946 / 002281
Instrument DateJan 24, 2019
Instrument2203953
Transaction TypeTransfer
Record UpdatedFeb 22, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address39 BAY RIDGE RD KEY LARGO FL 330373779, KEY LARGO, FL 33037-3779

Tax Assessment & Valuation

The 2025 property tax bill for 39 Bay Ridge Rd was $13,888 with exemptions applied, up 3.8% from the year before.

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$13,888.00 (+3.77%) Homeowner's exemption Widower's exemption$2,021,029$10,387,138 Land $9,072,396 Building $1,314,742
2024$13,384.00 (+2.47%)
2023$13,062.00 (+4.49%) Senior Citizen's exemption$1,906,866 (+3%)$11,527,063 (+79.07%) Land $10,235,524 Building $1,291,539
2022$12,501.00 Senior Citizen's exemption$1,851,327$6,437,042 Land $5,117,762 Building $1,319,280

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

Flood

FEMA maps place 39 Bay Ridge Rd 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 838 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies1,585 units insured
incl. 747 condo units
Nearby Flood Claims78 (2005–2023)
Claims Outside the SFHA1 of 78
Most Recent ClaimNov 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 39 Bay Ridge Rd is low, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.09% annual chance
ExposureDirect
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 17 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Fiber		2,000 / 2,000

May also be available: AT&T.

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