4 North Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 4 North Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,124 sqft · built 1978
Lot Size	0.193 acres (8,385 sqft)
Owner	Company Name on File
Last Sale	$1,365,000 (Aug 2019)
Tax Bill	$13,636 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Aug 2019 Sale + 1 more
Flood Zone	Zone VE (high risk)
APN	`00514640-000000`

Property Details

APN / Parcel Number

Primary APN	`00514640-000000`
Alternative APNs	`01613900514640000000` `1633909`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,124 sqft Living Area
Gross Area	2,724 sqft
1st Floor Area	2,124 sqft
Basement Area	636 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Pile
Roof Type	Geodesic/Dome
Roof Material	Concrete
Lot Area	8,385 sqft (0.193 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	600 sqft

Exterior Amenities

Porch	Slab
Porch Area	1,493 sqft
Deck Area	3,800 sqft
Patio Area	3,929 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1633909
Street Address	4 NORTH DR
City	KEY LARGO
State	FL
Zip	33037-2917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	BK 2 LT 2 STILLWRIGHT POINT PLAT 2 KEY LARGO PB4-154 OR549-435 OR549-472 OR745-735 OR821-1120 OR1120-171 OR1286-53 OR1977-1979 OR2617-973 OR2753-930/31 OR2977-2399 OR2982-0735
Legal Range	39E
Legal Township	61S
Legal Section	01
Legal Subdivision	STILLWRIGHT POINT NO 2
Legal Block	2
Legal Lot Number	2
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2004
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

4 North Dr is owned by a company that acquired it in August 2019.

Source: Monroe County records, as of July 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	18340 NW 79TH CT, HIALEAH, FL 33015-2706
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Aug 28, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 1, 2019	Warranty Deed, Transfer · Conventional Mortgage TRELLIS BAY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019 · Amount on File
Deed Sale	Aug 1, 2019 · Amount on File
Prior Sale	Jul 28, 2015 · Amount on File
Deed Document Number	20192230997
Deed Book / Page	2977 / 2399
Last Transfer Date	Aug 27, 2019
Transfer Doc	0029820735
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	4 NORTH DR, KEY LARGO, FL 33037-2917
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18340 NW 79TH CT, HIALEAH, FL 33015-2706

Mortgage

Document Number	0030510267
Date	Oct 19, 2020
Book Page	3051/267
Instrument	2286713

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	WESTMONT, IL 60559

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 10, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Aug 28, 2019
Property Address	4 NORTH DR, KEY LARGO, FL 33037-2917
Document Number	0029820735
Book / Page	002982 / 000735
Instrument Date	Aug 27, 2019
Instrument	2234589
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14337 COMMERCE WAY MIAMI LAKES FL 330161502, MIAMI LAKES, FL 33016-1502

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 1, 2019
Property Address	4 NORTH DR, KEY LARGO, FL 33037-2917
Document Number	0029772399
Book / Page	002977 / 002399
Instrument Date	Jul 24, 2019
Instrument	2230997
Transaction Type	Transfer
Record Updated	Aug 16, 2019
Title Company	ESQUIRE TITLE AND ESCROW PA, ESQUIRE TITLE & ESCROW PA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,555.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14337 COMMERCE WAY MIAMI LAKES FL 330161502, MIAMI LAKES, FL 33016-1502

Mortgage

Document Number	29772407
Date	Aug 1, 2019
Book Page	002977/002407
Instrument	2231000

Lender

Name	TRELLIS BAY LLC
Address	2855 PGA BLVD, PALM BEACH GARDENS, FL 33410-2910

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4 North Dr was $13,636, up 8.8% from the year before.

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	$13,636.00 (+8.77%)	$1,692,476 Land $1,117,951 Building $574,525	$1,692,476 Land $1,117,951 Building $574,525
2024	$12,536.00 (+8.3%)
2023	$11,575.00 (+15.74%)	$1,538,993 (+17.84%) Land $977,523 Building $561,470	$1,538,993 (+17.84%) Land $977,523 Building $561,470
2022	$10,001.00	$1,306,011 Land $782,383 Building $523,628	$1,306,011 Land $782,383 Building $523,628

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

Flood

FEMA maps place 4 North Dr in Zone VE, a high-risk coastal 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 Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

The area around 4 North Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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