Monroe County property record for 40 Ave C, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 4,311 sqft · built 2020 |
| Lot Size | 0.085 acres (3,720 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $83,000 (Jun 2014) |
| Tax Bill | $13,671 (2024) |
| Deeds & Mortgages | Sep 2018 Loan Modification Apr 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00459200-000000 |
| Primary APN | 00459200-000000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 4 Stories |
| Building Area | 4,311 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete Block |
| Foundation Type | Pile |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 3,720 sqft (0.085 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 150 sqft |
| Patio Area | 2,120 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1562734 |
|---|---|
| Street Address | 40 AVENUE C |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 3 LT 7 KEY LARGO TRAILER VILLAGE KEY LARGO PB5-43 OR535-934 OR637-393D/C OR813-1837 OR1011-10 OR1215-1237/38 OR1218-80AFF |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 22 |
| Legal Subdivision | KEY LARGO TRAILER VILLAGE |
| Legal Block | 3 |
| Legal Lot Number | 7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 970400 |
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.
Source: Monroe County records, as of December 5, 2025
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 Record |
|---|---|
| Mailing Address | PO BOX 370275, KEY LARGO, FL 33037-0275 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 24, 2018 | Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSINESS ADMINISTRATI |
| Apr 4, 2018 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 18, 2014 · Amount on Record |
| Deed Sale | Jun 18, 2014 · Amount on Record |
| Prior Sale | Jun 28, 1999 · Amount on Record |
| Deed Document Number | 1986579 |
| Deed Book / Page | 2690 / 0226 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 40 AVENUE C, KEY LARGO, FL 33037-2621 |
| Document Number | 0029281042 |
| Instrument Date | Sep 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 370275 KEY LARGO FL 330370275, KEY LARGO, FL 33037-0275 |
| Document Number | 0029281042 |
|---|---|
| Date | Sep 24, 2018 |
| Book Page | 002928/001042 |
| Instrument | 2187810 |
| Name | US SMALL BUSINESS ADMINISTRATI |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 23, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 40 AVENUE C, KEY LARGO, FL 33037-2621 |
| Document Number | 0029171089 |
| Instrument Date | Apr 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 370275 KEY LARGO FL 330370275, KEY LARGO, FL 33037-0275 |
| Document Number | 0029171089 |
|---|---|
| Date | Jul 18, 2018 |
| Book Page | 002917/001089 |
| Instrument | 2178418 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 17, 2048 |
Source: Monroe County assessment roll, as of July 1, 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 | $1,721,652 (+5.99%) | $1,900,147 (+16.98%) Land $246,078 Building $1,654,069 | |
| 2024 | $13,671.00 (+2.88%) | ||
| 2023 | $13,288.00 (-0.88%) Homeowner's exemption | $1,624,400 (-4.38%) Land $204,154 Building $1,420,246 | $1,624,400 (-4.38%) Land $204,154 Building $1,420,246 |
| 2022 | $13,406.00 Homeowner's exemption | $1,698,775 Land $154,027 Building $1,544,748 | $1,698,775 Land $154,027 Building $1,544,748 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 147 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 151 units insured incl. 4 condo units |
| Nearby Flood Claims | 160 (1979–2022) |
| Claims Outside the SFHA | 3 of 160 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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 414 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 | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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