39 Dolphin Rd, Key Largo, FL 33037 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,104 sqft · built 1994
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on Record
Last Sale	$565,000 (Dec 2021)
Tax Bill	$3,617 (2024)
Deeds & Mortgages	Dec 2022 Transfer Dec 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00512050-000000`

Property Details

APN / Parcel Number

Primary APN	`00512050-000000`
Alternative APNs	`12613900512050000000` `1631353`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,104 sqft Living Area
1st Floor Area	1,107 sqft
Flooring	Concrete/Cement
Interior Walls	Masonry

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2012
Exterior Material	Wood
Construction Type	Wood
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	Open Porch
Porch Area	408 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1631353
Street Address	39 DOLPHIN RD
City	KEY LARGO
State	FL
Zip	33037-2949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 6 LT 7 BOWENS ADDN TO RIVIERA VILLAGE KEY LARGO PB2-107 G57-181 G57-322 OR486-97 OR800-102 OR923-1225 OR2156-1111 OR2967-1369 OR3145-1534 OR3204-0760
Legal Range	39E
Legal Township	61S
Legal Section	12
Legal Subdivision	BOWENS ADD RIVIERA VILLAGE
Legal Block	6
Legal Lot Number	7
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 March 19, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	39 DOLPHIN RD, KEY LARGO, FL 33037-2949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2022	Quit Claim Deed, Transfer Quitclaim
Dec 28, 2021	Warranty Deed, Transfer SUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF KEYS INC
Jun 3, 2019	Warranty Deed, Transfer · Conventional Mortgage COLUMBUS CAP LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Prior Sale	Jun 3, 2019 · Amount on Record
Deed Document Number	20212354502
Deed Book / Page	3145 / 1534
Last Transfer Date	Sep 26, 2022
Transfer Doc	0032040760
Record Updated	Sep 20, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Dec 8, 2022
Property Address	39 DOLPHIN RD, KEY LARGO, FL 33037-2949
Document Number	0032040760
Book / Page	3204 / 760
Instrument Date	Sep 26, 2022
Instrument	2400033
Transaction Type	Transfer
Record Updated	Jan 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 DOLPHIN RD, KEY LARGO, FL 33037-2949

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 28, 2021
Property Address	39 DOLPHIN RD, KEY LARGO, FL 33037-2949
Document Number	0031451534
Book / Page	3145 / 1534
Map Reference	MB 2 PG 107
Instrument Date	Dec 20, 2021
Instrument	2354502
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	SUNSHINE TITLE/THE KEYS INC, SUNSHINE TITLE OF KEYS INC

Transaction

Amount	Amount Recorded
Tax	$3,955.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	441 DE LEON DR, 441, MIAMI SPRINGS, FL 33166-5905

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 RAULERSON RD # 1, 1, SEVILLE, FL 32190

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jun 3, 2019
Property Address	39 DOLPHIN RD, KEY LARGO, FL 33037-2949
Document Number	0029671369
Book / Page	002967 / 001369
Instrument Date	May 30, 2019
Instrument	2222741
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,055.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39 DOLPHIN RD KEY LARGO FL 330372949, KEY LARGO, FL 33037-2949

Mortgage

Document Number	29671370
Date	Jun 3, 2019
Book Page	002967/001370
Instrument	2222742

Lender

Name	COLUMBUS CAP LNDG
Type	Funding / Finance Company
Address	MIAMI, FL 33176

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2049

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		$405,654 (+5.99%)	$525,706 (+15.38%) Land $286,000 Building $239,706
2024	$3,617.00 (+4.51%)
2023	$3,461.00 (+5.58%) Homeowner's exemption	$382,740 (+3%)	$455,613 (-1.05%) Land $231,000 Building $224,613
2022	$3,278.00 Homeowner's exemption	$371,593	$460,434 Land $231,000 Building $229,434

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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% 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 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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