4 Dolphin Rd, Key Largo, FL 33037 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 876 sqft · built 1959
Lot Size	0.251 acres (10,915 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (Oct 2019)
Tax Bill	$2,656 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Oct 2019 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`00511740-000000`

Property Details

APN / Parcel Number

Primary APN	`00511740-000000`
Alternative APNs	`01613900511740000000` `1631043`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	876 sqft Living Area
1st Floor Area	876 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,915 sqft (0.251 acres)
Porch	Florida Room
Porch Area	435 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1631043
Street Address	4 DOLPHIN RD
City	KEY LARGO
State	FL
Zip	33037-2913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 4 LTS 56-57 AND PT OF 20 ALLEY REVISED AMENDED PLAT OF RIVIERA VILLAGE PB2-80 KEY LARGO OR8-460 OR446-636 OR875-263D/C OR1121-2180/81 OR1284-390 OR1383-1385 OR1745-1648/52F/J OR1748-308/09 OR2040-847 OR2740-1035 OR2753-1547F/J OR2972-1682 OR2990-2
Legal Range	39E
Legal Township	61S
Legal Section	01
Legal Subdivision	RIVIERA VILLAGE REV & AMD
Legal Block	4
Legal Lot Number	56-57
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2011
Census Tract	972700

Owner

Source: Monroe County records · APN 00511740-000000

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 DOLPHIN RD, KEY LARGO, FL 33037-2913
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Oct 23, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jul 01, 2019	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 23, 2019 · Amount on Record
Deed Sale	Oct 23, 2019 · Amount on Record
Prior Sale	Jul 01, 2019 · Amount on Record
Deed Document Number	20192241643
Deed Book / Page	2990 / 2099
Record Updated	Jun 08, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	4 DOLPHIN RD, KEY LARGO, FL 33037-2913
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 DOLPHIN RD, KEY LARGO, FL 33037-2913

Mortgage

Document Number	0030591104
Date	Nov 30, 2020
Book Page	3059/1104
Instrument	2292666

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 01, 2035

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 23, 2019
Property Address	4 DOLPHIN RD, KEY LARGO, FL 33037-2913
Document Number	0029902099
Book / Page	002990 / 002099
Instrument Date	Oct 23, 2019
Instrument	2241643
Transaction Type	Transfer
Record Updated	Nov 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4 DOLPHIN RD KEY LARGO FL 330372913, KEY LARGO, FL 33037-2913

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 01, 2019
Property Address	4 DOLPHIN RD, KEY LARGO, FL 33037-2913
Document Number	0029721682
Book / Page	2972 / 1682
Map Reference	MB 2 PG 80
Instrument Date	Jun 25, 2019
Instrument	2226800
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	DBA FLORIDA TITLE OF KEYS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3729 E STRATFORD RD, 3729, VIRGINIA BEACH, VA 23455-2927

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 DOLPHIN RD, KEY LARGO, FL 33037-2913

Mortgage

Document Number	0029721683
Date	Jul 01, 2019
Instrument	2972-1683

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2049

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		$280,173 (+5.99%)	$518,392 (+19.96%) Land $385,954 Building $132,438
2024	$2,656.00 (+5.36%)
2023	$2,521.00 (+5.09%) Homeowner's exemption	$264,347 (+3%)	$432,150 (+4.07%) Land $311,732 Building $120,418
2022	$2,399.00 Homeowner's exemption	$256,648	$415,237 Land $311,732 Building $103,505

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 120879727002, 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 X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 433 individual NFIP policies nearby
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	660 units insured 227 under condo master policies
Nearby Flood Claims	80 (1999–2024)
Claims Outside the SFHA	1 of 80
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm	Hurricane Ian, Sep 2022 · 11 claims Hurricane Irma, Sep 2017 · 33 claims Hurricane Wilma, Oct 2005 · 13 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 291 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
AT&T	DSL	100 / 20

May also be available at this address: Xfinity, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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