4 Beach Rd, Key Largo, FL 33037 Property Records

Monroe County property record for 4 Beach Rd, Key Largo, FL 33037 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,236 sqft · built 2019
Lot Size	0.402 acres (17,514 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (Jul 2018)
Tax Bill	$9,264 (2024)
Deeds & Mortgages	Mar 2026 Line of Credit Sep 2023 Line of Credit + 2 more
Flood Zone	Zone VE (high risk)
APN	`00502720-000000`

Property Details

APN / Parcel Number

Primary APN	`00502720-000000`
Alternative APNs	`33613900502720000000` `1620581`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	2,236 sqft Living Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	17,514 sqft (0.402 acres)
View / Lot	Canal
Garage Type	Covered
Garage Area	1,555 sqft
Porch	Open Porch
Porch Area	678 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1620581
Street Address	4 BEACH RD
City	KEY LARGO
State	FL
Zip	33037-4334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 8 LOT 4 AND PT VACATED BEACH ROAD KEY LARGO BEACH PB2-149 KEY LARGO OR435-6 OR680-538Q OR875-2052/2054 RES NO 172-1982 OR875-2049 OR1096-666 OR1149-1008/1010(AGREE) OR1217-1801 OR2129-1010 OR2129-1011T/C OR2129-1012T/C OR2916-1797/98
Legal Range	39E
Legal Township	61S
Legal Section	33
Legal Subdivision	KEY LARGO BEACH
Legal Block	8
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2015
Census Tract	970500

Owner

Source: Monroe County records · APN 00502720-000000

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	4 BEACH RD, KEY LARGO, FL 33037-4334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Sep 01, 2023	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU
Jul 12, 2018	Intrafamily Transfer, Transfer · ARM CENTERSTATE BANK OF FLORIDA NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 12, 2018 · Amount on Record
Deed Sale	Jul 12, 2018 · Amount on Record
Prior Sale	Jul 05, 2005 · Amount on Record
Deed Document Number	20182177713
Deed Book / Page	2916 / 1797
Prior Transfer Date	Jul 09, 2018
Prior Transfer Doc	0029161797
Record Updated	Jun 08, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	4 BEACH RD, KEY LARGO, FL 33037-4334
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 BEACH RD, KEY LARGO, FL 33037-4334

Mortgage

Document Number	0033721228
Date	Mar 25, 2026
Book Page	3372/1228
Instrument	2536867

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	168 Months
Due	Mar 24, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	4 BEACH RD, KEY LARGO, FL 33037-4334
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 BEACH RD, KEY LARGO, FL 33037-4334

Mortgage

Document Number	0032410178
Date	Sep 01, 2023
Book Page	3241/178
Instrument	2430637

Lender

Name	SPACE COAST CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	4 BEACH RD, KEY LARGO, FL 33037-4334
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 BEACH RD, KEY LARGO, FL 33037-4334

Mortgage

Document Number	0030470276
Date	Sep 29, 2020
Book Page	3047/276
Instrument	2283812

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jul 12, 2018
Property Address	4 BEACH RD, KEY LARGO, FL 33037-4334
Document Number	0029161797
Book / Page	2916 / 1797
Map Reference	MB2 PG149
Instrument Date	Jul 09, 2018
Instrument	2177713
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CORAL REEF TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2305 CYPRESS COVE DR, 2305, TALLAHASSEE, FL 32310-6347

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	PO BOX 371214, KEY LARGO, FL 33037-1214

Mortgage

Document Number	0002177715
Date	Jul 12, 2018
Instrument	2177715

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	373 Months
Due	Aug 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Aug 01, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,140,646 (+21.87%)	$1,757,591 (+12.89%) Land $1,048,213 Building $709,378
2024	$9,264.00 (+17.74%)
2023	$7,868.00 (+6.25%) Homeowner's exemption	$935,990 (+3%)	$1,556,882 (+15.65%) Land $1,064,851 Building $492,031
2022	$7,405.00 Homeowner's exemption	$908,729	$1,346,214 Land $849,079 Building $497,135

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879705002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone VE coastal, wave action
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 595 individual NFIP policies nearby
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	839 units insured 244 under condo master policies
Nearby Flood Claims	304 (1983–2025)
Claims Outside the SFHA	8 of 304
Most Recent Claim	Oct 2025, rainfall accumulation
Claims By Storm	Hurricane Irma, Sep 2017 · 221 claims Hurricane Irene, Oct 1999 · 24 claims Hurricane Georges, Sep 1998 · 24 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 425 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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