40 Florida Dr, Key Largo, FL 33037 Property Records

Monroe County property record for 40 Florida Dr, Key Largo, FL 33037

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,380 sqft · built 2010
Lot Size	0.196 acres (8,542 sqft)
Owner	Individual Name on Record
Last Sale	$935,000 (Feb 2024)
Tax Bill	$4,150 (2024)
Deeds & Mortgages	Feb 2024 Sale & Line of Credit Jul 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`00527880-000000`

Property Details

APN / Parcel Number

Primary APN	`00527880-000000`
Alternative APNs	`28613900527880000000` `1647128`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2021
Exterior Material	Other
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,542 sqft (0.196 acres)
Garage Type	Carport
Carport	Carport
Carport Area	644 sqft

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	184 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1647128
Old Parcel Number	28613900527880000000
Street Address	40 FLORIDA DR
City	KEY LARGO
State	FL
Zip	33037-2569
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 21 LTS 8-9-10 AMD PLAT OF PB3-62 KEY LARGO PARK OR197-570 OR299-537 OR341-432 OR369-145 OR699-339 OR1338-2497AFF
Legal Range	39E
Legal Township	61S
Legal Section	28
Legal Subdivision	KEY LARGO PARK AMD
Legal Block	21
Legal Lot Number	8-10 9
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	1
Census Block	1018
Census Tract	970500

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

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	Individual Name on Record
Mailing Address	PO BOX 371252, KEY LARGO, FL 33037-1252
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2024	Warranty Deed, Transfer · Line of Credit PAUL PFAFF
Jul 18, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2024 · Amount on Record
Deed Sale	Feb 12, 2024 · Amount on Record
Prior Sale	Jul 18, 2017 · Amount on Record
Deed Document Number	2450784
Deed Book / Page	3262 / 101
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Feb 12, 2024
Property Address	40 FLORIDA DR, KEY LARGO, FL 33037-2569
Document Number	0032620101
Book / Page	3262 / 101
Map Reference	MB 3 PGS 62
Instrument Date	Feb 8, 2024
Instrument	2450784
Transaction Type	Transfer
Record Updated	Mar 8, 2024
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$6,545.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8271 BOCA GLADES BLVD E, BOCA RATON, FL 33434-4032

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1510 ROYAL PALM DR, KEY LARGO, FL 33037-2562

Mortgage

Document Number	0002450785
Date	Feb 12, 2024
Instrument	2450785

Lender

Name	PAUL PFAFF
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	2 Months
Due	Apr 1, 2024

Mortgage

Document Number	0032620104
Date	Feb 12, 2024
Book Page	3262/104
Instrument	2450785

Lender

Name	PAUL H PFAFF
Type	Private Party
Address	8271 BOCA GLADES BLVD E, BOCA RATON, FL 33434

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	2 Months
Due	Apr 1, 2024

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 18, 2017
Property Address	40 FLORIDA DR, KEY LARGO, FL 33037-2569
Document Number	0028642149
Book / Page	002864 / 002149
Instrument Date	Jul 13, 2017
Instrument	2131559
Transaction Type	Transfer
Record Updated	Aug 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,640.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40 FLORIDA DR KEY LARGO FL 330372569, KEY LARGO, FL 33037-2569

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$753,039 (+66.68%) Land $387,014 Building $366,025	$753,039 (+30.51%) Land $387,014 Building $366,025
2024	$4,150.00 (+7.37%)
2023	$3,865.00 (+6.47%) Homeowner's exemption	$451,774 (+1.47%)	$576,989 (-0.56%) Land $280,868 Building $296,121
2022	$3,630.00 Homeowner's exemption	$445,241	$580,257 Land $280,868 Building $299,389

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 177 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	204 units insured incl. 27 condo units
Nearby Flood Claims	50 (1984–2025)
Claims Outside the SFHA	8 of 50
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Wilma, Oct 2005 · 20 claims Hurricane Georges, Sep 1998 · 9 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 222 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

May also be available: Hotwire Communications.

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