Monroe County property record for 4 Atlantic Ave, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,632 sqft · built 1991 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $625,000 (Apr 2023) |
| Tax Bill | $4,710 (2024) |
| Deeds & Mortgages | Sep 2025 Transfer Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 00451350-000000 |
| Primary APN | 00451350-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,632 sqft Living Area |
| 1st Floor Area | 1,632 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,600 sqft (0.152 acres) |
| Lot Dimensions | 110 ft deep x 60 ft wide |
| Porch | Florida Room |
| Porch Area | 264 sqft |
| Patio Area | 40 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 1550981 |
|---|---|
| Street Address | 4 ATLANTIC AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LT 4 PORT LARGO PB5-3 OR425-776/77 OR846-2466D/C OR1121-1453 OR1173-2113 OR1198-1003/04AFF OR1198-1007 OR1339-797 OR1591-1153 OR1780-271R/S OR1791-1511 OR1881-1856/57 OR2829-1216/17 OR3218-2330 OR3290-0921 |
| Legal Subdivision | PORT LARGO |
| Legal Lot Number | 4 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2017 |
| 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.
4 Atlantic Ave is owned by a company that acquired it in August 2024.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 4 ATLANTIC AVE, KEY LARGO, FL 33037-4328 |
| Owner Type | Company |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 19, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Apr 4, 2023 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2023 · Amount on File |
| Deed Sale | Apr 4, 2023 · Amount on File |
| Deed Document Number | 20232412771 |
| Deed Book / Page | 3218 / 2330 |
| Last Transfer Date | Aug 27, 2024 |
| Transfer Doc | 0032900921 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 19, 2025 |
| Property Address | 4 ATLANTIC AVE, KEY LARGO, FL 33037-4328 |
| Document Number | 0033451641 |
| Book / Page | 3345 / 1641 |
| Map Reference | MB 5 PG 3 |
| Instrument Date | Sep 19, 2025 |
| Instrument | 2515899 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 ATLANTIC AVE, KEY LARGO, FL 33037-4328 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4 ATLANTIC AVE, KEY LARGO, FL 33037-4328 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 4, 2023 |
| Property Address | 4 ATLANTIC AVE, KEY LARGO, FL 33037-4328 |
| Document Number | 0032182330 |
| Book / Page | 3218 / 2330 |
| Map Reference | MB 5 PG 3 |
| Instrument Date | Apr 3, 2023 |
| Instrument | 2412771 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2024 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,375.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13673 DUDLEYVILLE RD, CAMP HILL, AL 36850-4915 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4 ATLANTIC AVE, KEY LARGO, FL 33037-4328 |
| Document Number | 0032182333 |
|---|---|
| Date | Apr 4, 2023 |
| Instrument | 3218/2333 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2043 |
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 | $508,879 (-4.13%) Land $359,700 Building $149,179 | $508,879 (-4.13%) Land $359,700 Building $149,179 | |
| 2024 | $4,710.00 Homeowner's exemption | $530,825 Land $387,750 Building $143,075 | $530,825 Land $387,750 Building $143,075 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Atlantic Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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 4 Atlantic Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 425 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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